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155 Summerset Dr, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 155 Summerset Dr, Punta Gorda, FL 33982

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,064 sqft · built 1985
Lot Size0.279 acres (12,160 sqft)
OwnerIndividual Name on Record
Last Sale$185,000 (Jan 2026)
Tax Bill$4,354 (2025)
Deeds & MortgagesJan 2026 Sale
Jun 2020 Mortgage
+ 3 more
Flood ZoneZone AE (high risk)
APN402301151003

Property Details

APN / Parcel Number

Primary APN402301151003
Alternative APNs
  • 00888070000000
  • 10004604208

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,064 sqft Living Area
Gross Area2,304 sqft
1st Floor Area1,064 sqft

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,160 sqft (0.279 acres)
Lot Dimensions152 ft deep x 80 ft wide
View / LotWaterfront
Garage TypeAttached
Garage Area350 sqft
DrivewayDriveway
Driveway Area1 sqft
Parking Spaces1 Parking Space

Exterior Amenities

Pool Area392 sqft
PorchEnclosed Porch
Porch Area586 sqft
Shed1 Shed
Shed Area320 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number00888070000000
Street Address155 SUMMERSET DR
CityPUNTA GORDA
StateFL
Zip33982-8316
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF3.5
Legal DescriptionPEACE RIV SH UN 3 BLK 1 LTS 136 137 152/372 415/311 613/1176 1019/324 1227/1892 2460/1793 3862/1919 4091/1133
Legal Range23E
Legal Township40S
Legal Section01
Legal SubdivisionPEACE RIV SH
Legal TractPRS
Legal Block1
Legal Lot Number136
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group1
Census Block1026
Census Tract10200

Owner

Source: Charlotte County records, as of July 6, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address155 SUMMERSET DR, PUNTA GORDA, FL 33982-8316
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 12, 2026Special Warranty Deed, Transfer
ACCOMODATION, ACCOMMODATION
Jun 24, 2020Deed of Trust, Mortgage · FHA Mortgage
AMERICAN ADVISORS
Jun 24, 2020Deed of Trust, Mortgage · FHA Mortgage
COMMISSIONER/HSNG & URBAN DEV
Feb 23, 2018Deed of Trust, Mortgage
AMERICAN ADVISORS
Feb 23, 2018Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 12, 2026 · Amount on Record
Deed SaleJan 12, 2026 · Amount on Record
Prior SaleApr 15, 2025 · Amount on Record
Deed Document Number20263603792
Record UpdatedOct 29, 2026

January 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionCHARLOTTE FL
Recording DateJan 12, 2026
Property Address155 SUMMERSET DR, PUNTA GORDA, FL 33982-8316
Document Number0003603792
Map ReferenceMB 4 PG 45
Instrument DateDec 15, 2025
Instrument3603792
Transaction TypeTransfer
Record UpdatedJan 28, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount Recorded
Tax$1,295.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3900 CAPITAL CITY BLVD, LANSING, MI 48906-2147

Transferred To (Grantee/Buyer)

NameVerified Name
Address155 SUMMERSET DR, PUNTA GORDA, FL 33982-8316

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address155 SUMMERSET DR, PUNTA GORDA, FL 33982-8316
Document Number0045940012
Instrument DateJun 24, 2020
Transaction TypeMortgage
Record UpdatedAug 13, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address155 SUMMERSET DR PUNTA GORDA FL 339828316, PUNTA GORDA, FL 33982-8316

Mortgage

Document Number0045940012
DateJun 30, 2020
Book Page004594/000012
Instrument2825233
Lender
NameAMERICAN ADVISORS
AddressORANGE, CA 92868
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term948 Months
DueJun 29, 2099
Interest
Rate TypeAdjustable Rate
Rate3.19%

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address155 SUMMERSET DR, PUNTA GORDA, FL 33982-8316
Document Number0045940026
Instrument DateJun 24, 2020
Transaction TypeMortgage
Record UpdatedAug 13, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address155 SUMMERSET DR PUNTA GORDA FL 339828316, PUNTA GORDA, FL 33982-8316

Mortgage

Document Number0045940026
DateJun 30, 2020
Book Page004594/000026
Instrument2825234
Lender
NameCOMMISSIONER/HSNG & URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term948 Months
DueJun 29, 2099
Interest
Rate TypeAdjustable Rate

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address155 SUMMERSET DR, PUNTA GORDA, FL 33982-8316
Document Number0042871441
Instrument DateFeb 23, 2018
Transaction TypeMortgage
Record UpdatedNov 20, 2018
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address155 SUMMERSET DR PUNTA GORDA FL 339828316, PUNTA GORDA, FL 33982-8316

Mortgage

Document Number0042871441
DateMar 2, 2018
Book Page004287/001441
Instrument2591203
Lender
NameAMERICAN ADVISORS
AddressORANGE, CA 92868
Agreement
AmountAmount Recorded
Term972 Months
DueMar 1, 2099
Interest
Rate TypeAdjustable Rate
Rate5%

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address155 SUMMERSET DR, PUNTA GORDA, FL 33982-8316
Document Number0042871455
Instrument DateFeb 23, 2018
Transaction TypeMortgage
Record UpdatedMar 27, 2018
Title CompanyAMERICAN ADVISORS GROUP, AMERICAN ADVISORS GRP

Transferred To (Grantee/Buyer)

NameVerified Name
Address155 SUMMERSET DR PUNTA GORDA FL 339828316, PUNTA GORDA, FL 33982-8316

Mortgage

Document Number0042871455
DateMar 2, 2018
Book Page004287/001455
Instrument2591204
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term972 Months
DueMar 1, 2099
Interest
Rate TypeAdjustable Rate
Rate5%

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of March 4, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyCharlotte County
Unified School DistrictCharlotte County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,354.00 (+104.51%)$227,760 (+77.8%) Land $23,800 Building $203,960$227,760 (+26.86%) Land $23,800 Building $203,960
2023$2,129.00 (+105.11%) Homeowner's exemption$128,100 (+3%)$179,536 (+3.51%) Land $32,000 Building $147,536
2022$1,038.00 Homeowner's exemption$124,369$173,443 Land $27,200 Building $146,243

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 126 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies126 in force
Nearby Flood Claims68 (1982–2024)
Claims Outside the SFHA4 of 68
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 29 claims
  • Hurricane Helene, Sep 2024 · 14 claims
  • Hurricane Ian, Sep 2022 · 7 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 RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250

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