11603 Bridle Path Ln, Placida, FL 33946 Property Records

Charlotte County property record for 11603 Bridle Path Ln, Placida, FL 33946

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,907 sqft · built 2024
Lot Size	4.16 acres (181,220 sqft)
Owner	Trust Name on File
Last Sale	$165,000 (Sep 2020)
Tax Bill	$6,479 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`422105101004`

Property Details

APN / Parcel Number

Primary APN	`422105101004`
Alternative APNs	`00808720020101` `10004719329`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	14 Rooms
Stories	1 Story
Building Area	3,907 sqft Living Area
Gross Area	6,842 sqft
1st Floor Area	2,790 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Combination
Construction Type	Frame
Roof Material	Tile
Lot Area	181,220 sqft (4.16 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	1,052 sqft
Driveway	Driveway
Driveway Area	1,957 sqft
Pool Area	480 sqft
Porch	Raised Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00808720020101
Street Address	11603 BRIDLE PATH LN
City	PLACIDA
State	FL
Zip	33946-2170
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	ESTATES OF GASPARILLA PRESERVE PH 2 LT 1 2493/988 4636/2018 4981/446
Legal Range	21E
Legal Township	42S
Legal Section	05
Legal Subdivision	ESTATES OF GASPARILLA PRESERVE PH 2
Legal Tract	ESG
Legal Lot Number	1
Jurisdiction	CHARLOTTE FL
Township / Civil Division	GROVE CITY-ROTONDA
Census Block Group	3
Census Block	3109
Census Tract	30501

Owner

11603 Bridle Path Ln is owner-occupied and held in a trust since May 2022.

Source: Charlotte County records, as of September 1, 2026

Owner of Record	Trust Name on File
Mailing Address	2855 BAYSHORE TRAILS DR, TAMPA, FL 33611-5525
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
May 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CADENCE BANK NA
Sep 25, 2020	Warranty Deed, Transfer · Conventional Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Deed Document Number	20202855440
Deed Book / Page	4636 / 2018
Last Transfer Date	May 5, 2022
Transfer Doc	0049810446
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 20, 2026
Property Address	11603 BRIDLE PATH LN, PLACIDA, FL 33946-2170
Document Number	0003675687
Instrument Date	Aug 11, 2026
Instrument	20263675687
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	11603 BRIDLE PATH LN, PLACIDA, FL 33946-2170

Mortgage

Document Number	0003675687,
Date	Aug 20, 2026
Instrument	20263675687

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Sep 1, 2066

Interest

Max Rate	-1%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	May 10, 2022
Property Address	11603 BRIDLE PATH LN, PLACIDA, FL 33946-2170
Document Number	0049810446
Book / Page	4981 / 446
Map Reference	MB 19 PG 3A-3E
Instrument Date	May 5, 2022
Instrument	3099888
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ENTERPRISE TTL OF TAMPA BAY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2855 BAYSHORE TRAILS DR, TAMPA, FL 33611-5525

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2855 BAYSHORE TRAILS DR, TAMPA, FL 33611-5525

Mortgage

Document Number	0004981449
Date	May 10, 2022
Instrument	4981/449

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 25, 2020
Property Address	11603 BRIDLE PATH LN, PLACIDA, FL 33946-2170
Document Number	0046362018
Book / Page	4636 / 2018
Map Reference	MB 19 PG 3A-3E
Instrument Date	Sep 24, 2020
Instrument	2855440
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10090 MCGREGOR BLVD, 10090, FORT MYERS, FL 33919-1039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5320 FISHERSOUND LN, APOLLO BEACH, FL 33572-3344

Mortgage

Document Number	0046362020
Date	Sep 25, 2020
Instrument	4636/2020

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Oct 1, 2023
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	4.5%
Index	1-Year CMT
Max Rate	10.2%

Tax Assessment & Valuation

The 2025 property tax bill for 11603 Bridle Path Ln was $6,479 with exemptions applied, up 77.3% from the year before.

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	$6,479.00 (+77.31%) Homeowner's exemption Veteran's exemption	$1,235,914 Land $255,000 Building $980,914	$1,235,914 Land $255,000 Building $980,914
2024	$3,654.00 (+10.06%)
2023	$3,320.00 (+27.55%)	$156,332 (+2.18%)	$245,000 (+60.13%) Land $245,000
2022	$2,603.00	$153,000 Land $153,000	$153,000 Land $153,000

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

Flood

FEMA maps place 11603 Bridle Path Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 972 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,071 units insured incl. 99 condo units
Nearby Flood Claims	47 (2022–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 10 claims Hurricane Ian, Sep 2022 · 20 claims Hurricane Ian, Sep 2022 · 14 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

Wildfire risk around 11603 Bridle Path Ln is high, ranking above 77% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 77% of the US · above 65% of Florida
Wildfire Likelihood	0.3% 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	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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: BridgeMAXX Suncoast Broadband, CenturyLink, Xfinity.

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