11397 Pepper Rd, Punta Gorda, FL 33955 Property Records

Charlotte County property record for 11397 Pepper Rd, Punta Gorda, FL 33955

Property Summary

Property Type	Mobile Home
Details	1 ba · 920 sqft · built 2006
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$179,900 (Nov 2022)
Tax Bill	$1,891 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`41-23-34-426-015`

Property Details

APN / Parcel Number

Primary APN	`41-23-34-426-015`
Alternative APNs	`0098932-006000-4` `10004714939`

Interior

Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	920 sqft Living Area
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 2006
Architectural Style	Mobile Home
Exterior Material	Composition/Composite
Roof Material	Composition Shingle
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	90 ft deep x 80 ft wide
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Patio Area	40 sqft
Shed	1 Shed
Shed Area	200 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004714939
Old Parcel Number	00989320060004
Street Address	11397 PEPPER RD
City	PUNTA GORDA
State	FL
Zip	33955-1241
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	MHC
Legal Description	SPG 008 0000 0391 SOUTH PUNTA GORDA HEIGHTS 8TH ADD LT 391 RP/VIN-DISH02215A&GAB 870/1811-14 PR92-540
Legal Range	23E
Legal Township	41S
Legal Section	34
Legal Subdivision	PUNTA GORDA
Legal Lot Number	391
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1027
Census Tract	10504

Owner

Source: Charlotte County records, as of December 10, 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
Co-owner	Co-owner on Record
Mailing Address	11397 PEPPER RD, PUNTA GORDA, FL 33955-1241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 4, 2022	Warranty Deed, Transfer · FHA Mortgage MY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2022 · Amount on Record
Deed Sale	Nov 4, 2022 · Amount on Record
Prior Sale	May 11, 2016 · Amount on Record
Deed Document Number	3167284
Deed Book / Page	5066 / 199
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	11397 PEPPER RD, PUNTA GORDA, FL 33955-1241
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11397 PEPPER RD, PUNTA GORDA, FL 33955-1241

Mortgage

Document Number	0003356847
Date	Jan 9, 2024
Instrument	3356847

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Nov 1, 2052

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 4, 2022
Property Address	11397 PEPPER RD, PUNTA GORDA, FL 33955-1241
Document Number	0050660199
Book / Page	5066 / 199
Map Reference	MB 4 PG 6A-6D
Instrument Date	Oct 19, 2022
Instrument	3167284
Transaction Type	Transfer
Record Updated	Nov 23, 2022
Title Company	NOT AVAILABLE, OMNI TITLE OF SWFL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,259.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11397 PEPPER RD, 11397, PUNTA GORDA, FL 33955-1241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11397 PEPPER RD, PUNTA GORDA, FL 33955-1241

Mortgage

Document Number	0005066201
Date	Nov 4, 2022
Instrument	5066/201

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 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	$1,891.00 (-31.73%)	$125,357 (-7.59%)	$81,933 (-7.59%) Land $13,024 Building $68,909
2023	$2,770.00 (+178.11%)	$135,654 (+160.69%)	$88,663 (-6.07%) Land $12,883 Building $75,780
2022	$996.00 Homeowner's exemption	$52,036	$94,391 Land $8,198 Building $86,193

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

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 AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force

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 58% of the US · lower than 68% 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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