771 Emerald Harbor Dr, Longboat Key, FL 34228 Property Records

Manatee County property record for 771 Emerald Harbor Dr, Longboat Key, FL 34228

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,750 sqft · built 1978
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,750,000 (Dec 2020)
Tax Bill	$29,438 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Dec 2020 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`78803-0000-4`

Property Details

APN / Parcel Number

Primary APN	`78803-0000-4`
Alternative APN	`3516237880300004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,750 sqft Living Area
Gross Area	4,414 sqft
1st Floor Area	1,818 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
View / Lot	Canal Front
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Pool Area	544 sqft
Porch	Open Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	771 EMERALD HARBOR DR
City	LONGBOAT KEY
State	FL
Zip	34228-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LBK_R-4SF
Legal Description	LOT 53 DREAM ISLAND PI#78803.0000/4
Legal Range	16E
Legal Township	35S
Legal Section	23
Legal Subdivision	DREAM ISLAND
Legal Tract	07876100
Legal Lot Number	53
Jurisdiction	MANATEE FL
Township / Civil Division	BRADENTON
Census Block Group	2
Census Block	2006
Census Tract	1705

Owner

771 Emerald Harbor Dr is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	771 EMERALD HARBOR DR, LONGBOAT KEY, FL 34228-1609
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 21, 2022	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Dec 23, 2020	Warranty Deed, Transfer BARNES WALKER TITLE INC
Jul 16, 2020	Deed of Trust, Construction Loan · Construction Mortgage ROCK HARBOR GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Prior Sale	Jan 1, 2016 · Amount on File
Deed Document Number	2020143455
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	771 EMERALD HARBOR DR, LONGBOAT KEY, FL 34228-1609
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041009978
Date	Jan 21, 2022
Instrument	202241009978

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	Dec 23, 2020
Property Address	771 EMERALD HARBOR DR, LONGBOAT KEY, FL 34228-1609
Document Number	0041143455
Instrument Date	Dec 23, 2020
Instrument	41143455
Transaction Type	Transfer
Record Updated	Feb 3, 2021
Title Company	BARNES WALKER TITLE INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 PINE RD ROSELAND NJ 070681435, ROSELAND, NJ 07068-1435

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Recording Date	Jul 16, 2020
Property Address	771 EMERALD HARBOR DR, LONGBOAT KEY, FL 34228-1609
Document Number	0041072772
Instrument Date	Jul 2, 2020
Instrument	41072772
Transaction Type	Construction Loan
Record Updated	Aug 6, 2020
Title Company	SOUTHEAST FLORIDA LAWYERS TITLE, SOUTHEAST FLORIDA LAWYERS TITL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7201 SCHEY DR EDINA MN 554391755, EDINA, MN 55439-1755

Mortgage

Document Number	0041072772
Date	Jul 16, 2020
Instrument	41072772

Lender

Name	ROCK HARBOR GROUP LLC
Address	DEERFIELD BEACH, FL 33441

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 15, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 771 Emerald Harbor Dr was $29,438 with a homeowner's exemption, up 2.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Manatee County
Municipality	Longboat Key Town
Unified School District	Manatee County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,036,800 (+2.7%)	$2,144,166 (-4.8%) Land $616,250 Building $1,527,916
2025	$29,438.00 (+2.59%)	$1,983,252	$2,252,350 Land $616,250 Building $1,636,100
2024	$28,695.00 (+0.65%)
2023	$28,509.00 (+1.89%) Homeowner's exemption	$1,867,148 (+3%)	$2,471,566 (+36.34%) Land $616,250 Building $1,855,316
2022	$27,980.00 Homeowner's exemption	$1,812,765 Land $485,000 Building $1,327,765	$1,812,765 Land $485,000 Building $1,327,765

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

Flood

FEMA maps place 771 Emerald Harbor Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 554 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,178 units insured incl. 624 condo units
Nearby Flood Claims	621 (2016–2025)
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 39 claims Hurricane Helene, Oct 2024 · 515 claims Hurricane Idalia, Aug 2023 · 32 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 771 Emerald Harbor Dr 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	TOWN OF LONGBOAT KEY serves 7,098 people · EPA ID FL6411098
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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