7300 Cove Ter, Sarasota, FL 34231 Property Records

Sarasota County property record for 7300 Cove Ter, Sarasota, FL 34231

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,686 sqft · built 1974
Lot Size	0.283 acres (12,342 sqft)
Owner	Individual Name on File
Last Sale	$1,095,000 (Apr 2004)
Tax Bill	$18,405 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Sep 2023 Line of Credit + 5 more
APN	`0109-16-0031`

Property Details

APN / Parcel Number

Primary APN	`0109-16-0031`
Alternative APN	`109160031`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,686 sqft Living Area
Gross Area	4,106 sqft
1st Floor Area	2,260 sqft
Upper Floors Area	1,426 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Concrete
Lot Area	12,342 sqft (0.283 acres)
View / Lot	Canal
Garage Type	Attached
Garage Area	420 sqft

Exterior Amenities

Pool Area	420 sqft
Porch	Open Porch
Porch Area	396 sqft
Patio Area	1,265 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	0109160031
Street Address	7300 COVE TER
City	SARASOTA
State	FL
Zip	34231-5420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF1
Legal Description	LOT 21 & ALL LAND BETWEEN SEAWALL & LOT BLK C AMENDED PLAT OF BLK C CORAL COVE UNIT 3
Legal Range	18E
Legal Township	37S
Legal Section	20
Legal Subdivision	CORAL COVE UNIT 3 AMENDED PLAT OF BLK C
Legal Tract	1406
Legal Block	C
Legal Lot Number	21
Legal Unit	3
Jurisdiction	SARASOTA FL
Township / Civil Division	SARASOTA
Census Block Group	1
Census Block	1004
Census Tract	2012

Owner

7300 Cove Ter is owned and occupied by an individual who acquired it in February 2021.

Source: Sarasota County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	7300 COVE TER, SARASOTA, FL 34231-5420
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Sep 18, 2023	Deed of Trust, Mortgage · Line of Credit SERVISFIRST BANK
Apr 16, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 14, 2020	Deed of Trust, Mortgage · Unknown SERVISFIRST BANK
Jul 14, 2020	Deed of Trust, Mortgage · Balloon Mortgage SERVISFIRST BANK
Aug 16, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Jun 23, 2017	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2004 · Amount on File
Deed Sale	Apr 7, 2004 · Amount on File
Prior Sale	Oct 31, 1996 · Amount on File
Deed Document Number	200463782
Last Transfer Date	Feb 9, 2021
Transfer Doc	0000069727
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	7300 COVE TER, SARASOTA, FL 34231-5420
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7300 COVE TER, SARASOTA, FL 34231-5420

Mortgage

Document Number	0000011849
Date	Jan 29, 2026
Instrument	2026011849

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	7300 COVE TER, SARASOTA, FL 34231-5420
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7300 COVE TER, SARASOTA, FL 34231-5420

Mortgage

Document Number	0000143251
Date	Sep 18, 2023
Instrument	2023143251

Lender

Name	SERVISFIRST BANK
Type	Bank
Address	TAMPA, FL 33607

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SARASOTA FL
Recording Date	Apr 16, 2021
Property Address	7300 COVE TER, SARASOTA, FL 34231-5420
Document Number	0000069727
Map Reference	MB 10 PG 36
Instrument Date	Feb 9, 2021
Instrument	2021069727
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7300 COVE TER, SARASOTA, FL 34231-5420

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	7300 COVE TER, SARASOTA, FL 34231-5420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092569
Date	Jul 14, 2020
Instrument	2020092569

Lender

Name	SERVISFIRST BANK
Type	Bank
Address	TAMPA, FL 33607

Agreement

Type	Unknown
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	7300 COVE TER, SARASOTA, FL 34231-5420
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7300 COVE TER, SARASOTA, FL 34231-5420

Mortgage

Document Number	0000092568
Date	Jul 14, 2020
Instrument	2020092568

Lender

Name	SERVISFIRST BANK
Type	Bank
Address	TAMPA, FL 33607

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	7300 COVE TER, SARASOTA, FL 34231-5420
Document Number	0000113839
Instrument Date	Aug 16, 2017
Transaction Type	Mortgage
Record Updated	Sep 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7300 COVE TER SARASOTA FL 342315420, SARASOTA, FL 34231-5420

Mortgage

Document Number	0000113839
Date	Sep 13, 2017
Instrument	113839

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 12, 2042

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	7300 COVE TER, SARASOTA, FL 34231-5420
Document Number	0000080993
Instrument Date	Jun 23, 2017
Transaction Type	Mortgage
Record Updated	Jul 10, 2017
Title Company	BRIDGETRUST TITLE GROUP, BRIDGETRUST TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7300 COVE TER SARASOTA FL 342315420, SARASOTA, FL 34231-5420

Mortgage

Document Number	0000080993
Date	Jun 28, 2017
Instrument	80993

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 7300 Cove Ter was $18,405.

Source: Sarasota County assessment roll, as of December 10, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,405.00	$1,519,600 Land $744,500 Building $775,100	$1,519,600 Land $744,500 Building $775,100
2023	$9,855.00 (+2.66%) Homeowner's exemption	$815,752 (+3%)	$1,672,300 (+17.4%) Land $730,500 Building $941,800
2022	$9,600.00 Homeowner's exemption	$791,992	$1,424,400 Land $664,700 Building $759,700

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

Flood

FEMA's flood maps do not cover 7300 Cove Ter; there have been 33 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Outside mapped area
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on File median of 141 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	277 units insured incl. 136 condo units
Nearby Flood Claims	33 (1995–2025)
Claims Outside the SFHA	5 of 33
Most Recent Claim	Sep 2025
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Helene, Sep 2024 · 23 claims

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

The area around 7300 Cove Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	SARASOTA CO SPECIAL UTIL DIST serves 272,267 people · EPA ID FL6581591
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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