Sarasota County property record for 732 Harms Dr, Osprey, FL 34229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,382 sqft · built 1979 |
| Lot Size | 0.487 acres (21,210 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Mar 2021) |
| Tax Bill | $2,904 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Mar 2021 Sale & Mortgage |
| APN | 0148-10-0007 |
| Primary APN | 0148-10-0007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,382 sqft Living Area |
| Gross Area | 2,344 sqft |
| 1st Floor Area | 1,382 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,210 sqft (0.487 acres) |
| Lot Width | 1 ft Width |
| View / Lot | Mainland |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Porch | Screened Porch |
| Porch Area | 1,060 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0148100007 |
|---|---|
| Street Address | 732 HARMS DR |
| City | OSPREY |
| State | FL |
| Zip | 34229-9586 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF2 |
| Legal Description | LOT 1 HARMS |
| Legal Range | 18E |
| Legal Township | 38S |
| Legal Section | 10 |
| Legal Subdivision | HARMS SUB |
| Legal Tract | 2017 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | OSPREY-LAUREL-NOKOMIS |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 2102 |
732 Harms Dr is owned and occupied by two individuals who bought it in March 2021.
Source: Sarasota County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 732 HARMS DR, OSPREY, FL 34229-9586 |
| 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.
| Date | Document |
|---|---|
| Dec 22, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2021 · Amount on File |
| Deed Sale | Mar 8, 2021 · Amount on File |
| Prior Sale | Dec 22, 2003 · Amount on File |
| Deed Document Number | 202140446 |
| Prior Transfer Date | Apr 27, 2006 |
| Prior Transfer Doc | 0000079512 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 732 HARMS DR, OSPREY, FL 34229-9586 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 732 HARMS DR, OSPREY, FL 34229-9586 |
| Document Number | 0000182439 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 2025182439 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 7, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Mar 8, 2021 |
| Property Address | 732 HARMS DR, OSPREY, FL 34229-9586 |
| Document Number | 0000040446 |
| Map Reference | MB 25 PG 40 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 2021040446 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 212 ISLAMORADA DR, 212, NOKOMIS, FL 34275-5406 |
| Name | Verified Name |
|---|---|
| Address | 732 HARMS DR, OSPREY, FL 34229-9586 |
| Document Number | 0000040447 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 2021040447 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 732 Harms Dr was $2,904 with a homeowner's exemption, down 32.4% from the year before.
Source: Sarasota County assessment roll, as of December 10, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Sarasota County |
| Unified School District | Sarasota County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,904.00 (-32.43%) Homeowner's exemption | $290,100 Land $166,500 Building $123,600 | $290,100 Land $166,500 Building $123,600 |
| 2024 | $4,298.00 (-1.65%) | ||
| 2023 | $4,370.00 (+2.03%) Homeowner's exemption | $364,300 (+13.38%) Land $160,700 Building $203,600 | $364,300 (+13.38%) Land $160,700 Building $203,600 |
| 2022 | $4,283.00 | $321,300 Land $116,800 Building $204,500 | $321,300 Land $116,800 Building $204,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 732 Harms Dr; there have been 12 flood claims nearby since 2017.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on File median of 174 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 506 units insured incl. 332 condo units |
| Nearby Flood Claims | 12 (2017–2024) |
| Claims Outside the SFHA | 7 of 12 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 732 Harms Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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