Sarasota County property record for 88 Navigation Cir, Osprey, FL 34229
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,449 sqft · built 2018 |
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Jul 2018) |
| Tax Bill | $3,481 (2025) |
| Deeds & Mortgages | Jun 2022 Second Mortgage Dec 2023 Mortgage + 3 more |
| APN | 0147-08-1002 |
| Primary APN | 0147-08-1002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,449 sqft Living Area |
| 1st Floor Area | 1,449 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Concrete |
| View / Lot | Average |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Enclosed Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 88 NAVIGATION CIR |
|---|---|
| City | OSPREY |
| State | FL |
| Zip | 34229-8806 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RMF3 |
| Legal Description | UNIT 102, BLDG 1, BAY STREET VILLAGE |
| Legal Range | 18E |
| Legal Township | 38S |
| Legal Section | 10 |
| Legal Subdivision | BAY STREET VILLAGE |
| Legal Tract | 8576 |
| Legal Block | 1 |
| Legal Lot Number | 102 |
| Legal Unit | 102 |
| Jurisdiction | SARASOTA FL |
| Township / Civil Division | OSPREY-LAUREL-NOKOMIS |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 2102 |
Source: Sarasota County records, as of January 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Dec 8, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 5, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 31, 2018 | Grant Deed, Subdivision Related Transfer DHI TITLE/FL INC |
| Jul 2, 2018 | Corporation Deed, Subdivision Related Transfer · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2018 · Amount on Record |
| Deed Sale | Jul 31, 2018 · Amount on Record |
| Prior Sale | Jul 2, 2018 · Amount on Record |
| Deed Document Number | 0000101784 |
| Last Transfer Date | Mar 5, 2020 |
| Transfer Doc | 0000031693 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Document Number | 0000096609 |
|---|---|
| Date | Jun 7, 2022 |
| Instrument | 2022096609 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SARASOTA FL |
| Property Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Document Number | 0000182362 |
|---|---|
| Date | Dec 8, 2023 |
| Instrument | 2023182362 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Mar 5, 2020 |
| Property Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Document Number | 0000031693 |
| Map Reference | DOC 2018050696 |
| Instrument Date | Feb 26, 2020 |
| Instrument | 2020031693 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Document Number | 0000031694 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 2020031694 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Sep 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Jul 31, 2018 |
| Property Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Document Number | 0000101784 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 101784 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 13, 2019 |
| Title Company | DHI TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,995.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 4211 FRONTIER LN OSPREY FL 342296847, OSPREY, FL 34229-6847 |
| Document Type | Corporation Deed |
|---|---|
| Jurisdiction | SARASOTA FL |
| Recording Date | Jul 2, 2018 |
| Property Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Document Number | 0000088465 |
| Map Reference | DOC2018050696 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 2018088465 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10541 BEN C CYPRESS PKAY100, 10541, FORT MYERS, FL 33966 |
| Name | Verified Name |
|---|---|
| Address | 88 NAVIGATION CIR, OSPREY, FL 34229-8806 |
| Document Number | 0000088466 |
|---|---|
| Date | Jul 2, 2018 |
| Instrument | 2018088466 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2048 |
Source: Sarasota County assessment roll, as of July 1, 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 | $3,481.00 (+26.35%) | $303,400 (+35.68%) Building $303,400 | $303,400 (-11.57%) Building $303,400 |
| 2023 | $2,755.00 (+3.96%) Homeowner's exemption | $223,621 (+3%) | $343,100 (+1.27%) Building $343,100 |
| 2022 | $2,650.00 Homeowner's exemption | $217,108 | $338,800 Building $338,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 85 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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