12434 Prudential Ave, Port Charlotte, FL 33981 Property Records

Charlotte County property record for 12434 Prudential Ave, Port Charlotte, FL 33981

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,455 sqft · built 2020
Lot Size	0.253 acres (11,024 sqft)
Owner	Individual Name on File
Last Sale	$279,900 (Nov 2020)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Feb 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-21-31-257-028`

Property Details

APN / Parcel Number

Primary APN	`40-21-31-257-028`
Alternative APNs	`0059393-002800-9` `10004553407`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,455 sqft Living Area
Gross Area	2,103 sqft
Flooring	Covered

Exterior

Year Built	Built 2020
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	11,024 sqft (0.253 acres)
Driveway	Driveway
Driveway Area	840 sqft
Parking Spaces	2 Parking Spaces
Pool Area	228 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004553407
Old Parcel Number	00593930028009
Street Address	12434 PRUDENTIAL AVE
City	PORT CHARLOTTE
State	FL
Zip	33981-1715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PCH 056 1784 0028 PORT CHARLOTTE SEC56 BLK1784 LOT 28 202/679 504/767 DC560/2130 562/2055 1053/1191 AFX
Legal Range	21E
Legal Township	40S
Legal Section	31
Legal Subdivision	PORT CHARLOTTE
Legal Block	1784
Legal Lot Number	28
Jurisdiction	CHARLOTTE FL
Township / Civil Division	GROVE CITY-ROTONDA
Census Block Group	1
Census Block	1165
Census Tract	30101

Owner

12434 Prudential Ave is owned and occupied by an individual who bought it in November 2020.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	Individual Name on File
Mailing Address	12434 PRUDENTIAL AVE, PORT CHARLOTTE, FL 33981-1715
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 23, 2020	Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES
Feb 28, 2019	Warranty Deed, Transfer OTHER
Apr 20, 2018	Loan Modification, Mortgage NATNIC HOLDINGS LLC
Feb 13, 2018	Warranty Deed, Transfer TOWNSEND TITLE INSURANCE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Prior Sale	Feb 28, 2019 · Amount on File
Deed Document Number	2875497
Deed Book / Page	4665 / 1574
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 23, 2020
Property Address	12434 PRUDENTIAL AVE, PORT CHARLOTTE, FL 33981-1715
Document Number	0046651574
Book / Page	4665 / 1574
Map Reference	MB 5 PG 70A-70H
Instrument Date	Nov 20, 2020
Instrument	2875497
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	$1,959.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 132, PLACIDA, FL 33946-0132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24031 MADACA LN UNIT 104, 104, PORT CHARLOTTE, FL 33954-2816

Mortgage

Document Number	0046651576
Date	Nov 23, 2020
Instrument	4665/1576

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 28, 2019
Property Address	12434 PRUDENTIAL AVE, PORT CHARLOTTE, FL 33981-1715
Document Number	0044101807
Book / Page	004410 / 001807
Instrument Date	Feb 28, 2019
Instrument	2687714
Transaction Type	Transfer
Record Updated	Mar 19, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$31.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 132 PLACIDA FL 339460132, PLACIDA, FL 33946-0132

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLOTTE FL
Property Address	12434 PRUDENTIAL AVE, PORT CHARLOTTE, FL 33981-1715
Document Number	0043081374
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	19 BAXTER ST

Mortgage

Document Number	0043081374
Date	Apr 27, 2018
Book Page	004308/001374
Instrument	2607446

Lender

Name	NATNIC HOLDINGS LLC

Agreement

Amount	Amount on Record

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 13, 2018
Property Address	12434 PRUDENTIAL AVE, PORT CHARLOTTE, FL 33981-1715
Document Number	0042811468
Book / Page	004281 / 001468
Instrument Date	Jan 30, 2018
Instrument	2586675
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	TOWNSEND TITLE INSURANCE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$38.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2180 W 1ST ST #310 FORT MYERS FL 339013217, 310, FORT MYERS, FL 33901-3217
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 12434 Prudential Ave was $2,954 with a homeowner's exemption.

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	$2,954.00 Homeowner's exemption	$233,460	$312,110 Land $20,000 Building $292,110
2023	$3,575.00 (+4.05%) Homeowner's exemption	$220,272 (+3%)	$303,415 (+17.61%) Land $20,000 Building $283,415
2022	$3,436.00 Homeowner's exemption	$213,856	$257,976 Land $14,025 Building $243,951

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

Flood

FEMA maps place 12434 Prudential Ave in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 2013.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 334 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	334 in force
Nearby Flood Claims	43 (2013–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Helene, Sep 2024 · 9 claims Hurricane Ian, Sep 2022 · 11 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 12434 Prudential Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000
CenturyLink Fiber	1,000 / 1,000

May also be available: Verizon.

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