11295 2nd Ave, Punta Gorda, FL 33955 Property Records

Charlotte County property record for 11295 2nd Ave, Punta Gorda, FL 33955

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,358 sqft · built 1956
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Dec 2021)
Tax Bill	$1,331 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Nov 2017 Reverse Mortgage
Flood Zone	Zone D (undetermined)
APN	`412334178005`

Property Details

APN / Parcel Number

Primary APN	`412334178005`
Alternative APNs	`00976720000003` `10004714110`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,358 sqft Living Area
Gross Area	1,575 sqft
1st Floor Area	1,358 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Driveway	Driveway
Driveway Area	1 sqft
Porch	Slab
Porch Area	209 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00976720000003
Street Address	11295 2ND AVE
City	PUNTA GORDA
State	FL
Zip	33955-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF5
Legal Description	S P G HTS 1ST ADD LTS 412 & 413 188/467 DC679/1806 1580/414 2778/2158 3330/117 CT3836/849 3876/1786 4251/1044 PR2021-1199-CD OSA4881/664 4902/1609
Legal Range	23E
Legal Township	41S
Legal Section	34
Legal Subdivision	S P G HTS 1ST ADD
Legal Tract	SPG
Legal Lot Number	412
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2030
Census Tract	10505

Owner

Source: Charlotte County records, as of November 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	11295 2ND AVE, PUNTA GORDA, FL 33955-1328
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2021	Warranty Deed, Transfer · Conventional Mortgage SOAR LENDING LLC
Nov 3, 2017	Intrafamily Transfer, Transfer · Reverse Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Jun 16, 2014 · Amount on Record
Deed Document Number	20213040428
Deed Book / Page	4902 / 1609
Prior Transfer Date	Oct 3, 2017
Prior Transfer Doc	0042511044
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 30, 2021
Property Address	11295 2ND AVE, PUNTA GORDA, FL 33955-1328
Document Number	0049021609
Book / Page	4902 / 1609
Map Reference	MB 5 PG 17A-17C
Instrument Date	Dec 28, 2021
Instrument	3040428
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3853 LUMBERJACK DR, 3853, E STROUDSBURG, PA 18302-8899

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11295 2ND AVE, PUNTA GORDA, FL 33955-1328

Mortgage

Document Number	0049021611
Date	Dec 30, 2021
Instrument	4902/1611

Lender

Name	SOAR LENDING LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 3, 2017
Property Address	11295 2ND AVE, PUNTA GORDA, FL 33955-1328
Document Number	0042511044
Book / Page	4251 / 1044
Map Reference	MB5 PG17A-17C
Instrument Date	Oct 3, 2017
Instrument	2562796
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11295 2ND AVE, PUNTA GORDA, FL 33955-1328

Mortgage

Document Number	0002562797
Date	Nov 3, 2017
Instrument	2562797

Lender

Name	NOT AVAILABLE

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,331.00 (-43.19%) Homeowner's exemption Widower's exemption	$133,291 (-5.21%) Land $11,574 Building $121,717	$133,291 (+60.8%) Land $11,574 Building $121,717
2024	$2,343.00 (+2%)
2023	$2,297.00 (+1.1%) Homeowner's exemption Widower's exemption	$140,624 (+3%)	$82,894 (-39.28%) Land $13,469 Building $69,425
2022	$2,272.00 Homeowner's exemption Widower's exemption	$136,528 Land $8,571 Building $127,957	$136,528 Land $8,571 Building $127,957

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 269 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	269 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 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

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond 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	CHARLOTTE COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: CenturyLink, Verizon.

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