7104 86th St E, Palmetto, FL 34221 Property Records

Manatee County property record for 7104 86th St E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,493 sqft · built 2002
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,500 (Jun 2001)
Tax Bill	$1,326 (2024)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6490-3660-5`

Property Details

APN / Parcel Number

Primary APN	`6490-3660-5`
Alternative APNs	`331822649036605` `0649036605`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,493 sqft Living Area
Gross Area	2,090 sqft
1st Floor Area	1,493 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,975 sqft (0.229 acres)
View / Lot	Lake Front
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	157 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0649036605
Street Address	7104 86TH ST E
City	PALMETTO
State	FL
Zip	34221-9211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-4.5 RE
Legal Description	LOT 70 REGENCY OAKS II PI#6490.3660/5
Legal Range	18E
Legal Township	33S
Legal Section	22
Legal Subdivision	REGENCY OAKS PHASE II
Legal Tract	00649001
Legal Lot Number	70
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	4
Census Block	4007
Census Tract	1916

Owner

Source: Manatee County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7104 86TH ST E, PALMETTO, FL 34221-9211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Mar 23, 2020	Deed of Trust, Mortgage · FHA Mortgage LOWER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2001 · Amount on Record
Deed Sale	Jun 29, 2001 · Amount on Record
Deed Book / Page	1689 / 211
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	7104 86TH ST E, PALMETTO, FL 34221-9211
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7104 86TH ST E, PALMETTO, FL 34221-9211

Mortgage

Document Number	0041118324
Date	Sep 7, 2021
Instrument	202141118324

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	7104 86TH ST E, PALMETTO, FL 34221-9211
Document Number	0041033562
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Apr 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7104 86TH ST E PALMETTO FL 342219211, PALMETTO, FL 34221-9211

Mortgage

Document Number	0041033562
Date	Mar 30, 2020
Instrument	41033562

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

Tax Assessment & Valuation

Source: Manatee County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$125,763 (+2.7%)	$265,253 (-1.02%) Land $40,800 Building $224,453
2025		$122,457 (+5.99%)	$267,974 (-9.5%) Land $40,800 Building $227,174
2024	$1,326.00 (+3.03%)
2023	$1,287.00 (+4.04%) Homeowner's exemption	$115,540 (+3%)	$296,103 (+13.88%) Land $40,800 Building $255,303
2022	$1,237.00 Homeowner's exemption	$112,175	$260,009 Land $40,000 Building $220,009

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 276 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	276 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MANATEE COUNTY UTILITIES DEPT serves 347,800 people · EPA ID FL6411132
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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