8527 40th Cir E, Palmetto, FL 34221 Property Records

Manatee County property record for 8527 40th Cir E, Palmetto, FL 34221

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,612 sqft · built 2023
Lot Size	0.147 acres (6,401 sqft)
Owner	2 Individual Names on File
Last Sale	$384,500 (May 2023)
Tax Bill	$3,911 (2024)
Deeds & Mortgages	Dec 2025 Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6445-1505-9`

Property Details

APN / Parcel Number

Primary APN	`6445-1505-9`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,612 sqft Living Area
Gross Area	3,088 sqft
1st Floor Area	1,079 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,401 sqft (0.147 acres)
View / Lot	Standard
Garage Type	Attached
Garage Area	441 sqft
Porch	Open Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	8527 40TH CIR E
City	PALMETTO
State	FL
Zip	34221-2066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 98, PRAVELA PI #6445.1505/9
Legal Subdivision	PRAVELA
Legal Lot Number	98
Jurisdiction	MANATEE FL
Township / Civil Division	PARRISH
Census Block Group	1
Census Block	1003
Census Tract	1915

Owner

8527 40th Cir E is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	8527 40TH CIR E, PALMETTO, FL 34221-2066
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
May 2, 2023	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage CARDINAL FINANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2023 · Amount on File
Deed Sale	May 2, 2023 · Amount on File
Deed Document Number	202345710
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANATEE FL
Property Address	8527 40TH CIR E, PALMETTO, FL 34221-2066
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8527 40TH CIR E, PALMETTO, FL 34221-2066

Mortgage

Document Number	0041143492
Date	Dec 1, 2025
Instrument	202541143492

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jan 1, 2029
Change Frequency	3 Years
Min Rate At Change	3.25%
Max Rate At Change	6.25%
Index	3-Year CMT
Max Rate	9.75%

May 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MANATEE FL
Recording Date	May 2, 2023
Property Address	8527 40TH CIR E, PALMETTO, FL 34221-2066
Document Number	0041045710
Map Reference	MB 73 PG 9
Instrument Date	Apr 27, 2023
Instrument	202341045710
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 27, 2025
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,691.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4301 W BOY SCOUT BLVD # BLVD600, BLVD600, TAMPA, FL 33607-5709

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8527 40TH CIR E, PALMETTO, FL 34221-2066

Mortgage

Document Number	0041045711
Date	May 2, 2023
Instrument	202341045711

Lender

Name	CARDINAL FINANCE CO
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

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		$307,107 (-0.84%) Land $51,000 Building $256,107	$307,107 (-0.84%) Land $51,000 Building $256,107
2025		$309,721 Land $51,000 Building $258,721	$309,721 Land $51,000 Building $258,721
2024	$3,911.00 (+321.9%)
2023	$927.00 (+107.38%)	$51,000 (+202.83%) Land $51,000	$51,000 (+202.83%) Land $51,000
2022	$447.00	$16,841 Land $16,841	$16,841 Land $16,841

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 8527 40th Cir E in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File median of 44 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 8527 40th Cir E is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier.

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