Charlotte County property record for 1040 E 2nd St, Englewood, FL 34223
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,030 sqft · built 1988 |
| Lot Size | 0.261 acres (11,376 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $600,000 (Jun 2021) |
| Tax Bill | $11,628 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 412005180004 |
| Primary APN | 412005180004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,030 sqft Living Area |
| Gross Area | 2,970 sqft |
| 1st Floor Area | 2,030 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,376 sqft (0.261 acres) |
| Lot Dimensions | 144 ft deep x 79 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 618 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 35 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 579 sqft |
| Deck Area | 266 sqft |
| Patio Area | 1,200 sqft |
| Loading Dock | 380 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 00966080000004 |
|---|---|
| Street Address | 1040 E 2ND ST |
| City | ENGLEWOOD |
| State | FL |
| Zip | 34223-4405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | ROCK CREEK PK 1ST ADD BLK A LT 5 424/645 635/1878 800/1717 960/2006 4015/1691 NT4733/1594-MASM AFF4733/1595 4733/1596 4781/2154 |
| Legal Range | 20E |
| Legal Township | 41S |
| Legal Section | 05 |
| Legal Subdivision | ROCK CREEK PK 1ST ADD |
| Legal Tract | RCP |
| Legal Block | A |
| Legal Lot Number | 5 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | GROVE CITY-ROTONDA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30301 |
Source: Charlotte County records, as of December 24, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1040 E 2ND ST, ENGLEWOOD, FL 34223-4405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Jun 9, 2021 | Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU |
| Mar 25, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2021 · Amount on Record |
| Deed Sale | Jun 9, 2021 · Amount on Record |
| Deed Document Number | 20212956267 |
| Deed Book / Page | 4781 / 2154 |
| Prior Transfer Date | Mar 16, 2021 |
| Prior Transfer Doc | 0047331596 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1040 E 2ND ST, ENGLEWOOD, FL 34223-4405 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1040 E 2ND ST, ENGLEWOOD, FL 34223-4405 |
| Document Number | 0003596174 |
|---|---|
| Date | Dec 12, 2025 |
| Instrument | 3596174 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 11, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 9, 2021 |
| Property Address | 1040 E 2ND ST, ENGLEWOOD, FL 34223-4405 |
| Document Number | 0047812154 |
| Book / Page | 4781 / 2154 |
| Map Reference | MB 3 PG 60 |
| Instrument Date | Jun 2, 2021 |
| Instrument | 2956267 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9756 COUNTRY SCENE LN, 9756, CONCORD TOWNSHIP, OH 44060-6606 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4456 MCKETHAN RD, DADE CITY, FL 33523-9120 |
| Document Number | 47812156 |
|---|---|
| Date | Jun 9, 2021 |
| Instrument | 4781/2156 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Mar 25, 2021 |
| Property Address | 1040 E 2ND ST, ENGLEWOOD, FL 34223-4405 |
| Document Number | 0047331596 |
| Book / Page | 4733 / 1596 |
| Map Reference | MB 3 PG 60 |
| Instrument Date | Mar 16, 2021 |
| Instrument | 2921518 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1040 E 2ND ST, ENGLEWOOD, FL 34223-4405 |
Source: Charlotte County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,628.00 (+74.99%) Homeowner's exemption | $420,561 (+13.1%) Land $98,469 Building $322,092 | $420,561 (+9.18%) Land $98,469 Building $322,092 |
| 2024 | $6,645.00 (+9.85%) | ||
| 2023 | $6,049.00 (-6.16%) Homeowner's exemption | $371,854 (-6.27%) | $385,187 (-6.75%) Land $139,672 Building $245,515 |
| 2022 | $6,446.00 Homeowner's exemption | $396,733 | $413,050 Land $90,787 Building $322,263 |
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 28, 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 Record median of 224 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 272 units insured incl. 48 condo units |
| Nearby Flood Claims | 228 (1982–2024) |
| 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 | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 | ENGLEWOOD WATER DIST public/private · serves 38,265 people · EPA ID FL6580531 |
|---|---|
| Water Source | Groundwater |
| Lead | 6 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 318 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 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
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