744 Harms Dr, Osprey, FL 34229 Property Records

Sarasota County property record for 744 Harms Dr, Osprey, FL 34229

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,118 sqft · built 1985
Lot Size	0.504 acres (21,970 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Apr 2006)
Tax Bill	$1,135 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit
APN	`0148-10-0002`

Property Details

APN / Parcel Number

Primary APN	`0148-10-0002`
Alternative APN	`148100002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,118 sqft Living Area
Gross Area	1,904 sqft
1st Floor Area	1,118 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Metal
Lot Area	21,970 sqft (0.504 acres)
Lot Width	1 ft Width
View / Lot	Mainland
Garage Type	Attached
Garage Area	546 sqft
Porch	Screened Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0148100002
Street Address	744 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 9 HARMS
Legal Range	18E
Legal Township	38S
Legal Section	10
Legal Subdivision	HARMS SUB
Legal Tract	2017
Legal Lot Number	9
Jurisdiction	SARASOTA FL
Township / Civil Division	OSPREY-LAUREL-NOKOMIS
Census Block Group	3
Census Block	3013
Census Tract	2102

Owner

744 Harms Dr is owned and occupied by two individuals who bought it in April 2006.

Source: Sarasota County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	744 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2006 · Amount on File
Deed Sale	Apr 26, 2006 · Amount on File
Prior Sale	Nov 3, 2005 · Amount on File
Deed Document Number	200676792
Prior Transfer Date	Oct 10, 1995
Prior Transfer Doc	2785002754
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARASOTA FL
Property Address	744 HARMS DR, OSPREY, FL 34229-9586
Document Number	0000005284
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	744 HARMS DR OSPREY FL 342299586, OSPREY, FL 34229-9586

Mortgage

Document Number	0000005284
Date	Jan 15, 2019
Instrument	5284

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 744 Harms Dr was $1,135 with a homeowner's exemption, down 31.8% from the year before.

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	$1,135.00 (-31.83%) Homeowner's exemption	$135,922	$303,600 Land $181,500 Building $122,100
2024	$1,665.00 (+6.32%)
2023	$1,566.00 (+5.24%) Homeowner's exemption	$128,244 (+3%)	$355,400 (+13.37%) Land $181,200 Building $174,200
2022	$1,488.00 Homeowner's exemption	$124,509	$313,500 Land $145,000 Building $168,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA has no flood map on file for 744 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	Hurricane Milton, Oct 2024 · 6 claims Hurricane Debby, Aug 2024 · 3 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

Wildfire risk around 744 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.

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 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