1638 Harmony Dr, Port Charlotte, FL 33952 Property Records

Charlotte County property record for 1638 Harmony Dr, Port Charlotte, FL 33952

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,462 sqft · built 1965
Lot Size	0.245 acres (10,694 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Sep 2025)
Tax Bill	$2,170 (2025)
Deeds & Mortgages	May 2024 Mortgage Sep 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`40-22-14-102-010`

Property Details

APN / Parcel Number

Primary APN	`40-22-14-102-010`
Alternative APNs	`0056371-000000-3` `10004576983`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,462 sqft Living Area
Gross Area	1,927 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1965
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,694 sqft (0.245 acres)
Lot Dimensions	125 ft deep x 86 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	320 sqft
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	145 sqft
Shed	1 Shed
Shed Area	160 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004576983
Old Parcel Number	00563710000003
Street Address	1638 HARMONY DR
City	PORT CHARLOTTE
State	FL
Zip	33952-2758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PCH 051 3240 0042 PORT CHARLOTTE SEC51 1ST REP BLK3240 LT 42 210/109 DC875/1932 PR98-1005 1697/552 2
Legal Range	22E
Legal Township	40S
Legal Section	14
Legal Subdivision	PORT CHARLOTTE
Legal Block	3240
Legal Lot Number	42
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1000
Census Tract	20800

Owner

1638 Harmony Dr is owned and occupied by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1638 HARMONY DR, PORT CHARLOTTE, FL 33952-2758
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
May 2, 2024	Deed of Trust, Mortgage HI-LAND PROPERTIES LLC
Sep 22, 2025	Warranty Deed, Transfer · FHA Mortgage NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on File
Deed Sale	Sep 22, 2025 · Amount on File
Prior Sale	Jun 4, 2024 · Amount on File
Deed Document Number	3570441
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1638 HARMONY DR, PORT CHARLOTTE, FL 33952-2758
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 HARMONY DR, PORT CHARLOTTE, FL 33952-2758

Mortgage

Document Number	0003400619
Date	May 2, 2024
Instrument	3400619

Lender

Name	HI-LAND PROPERTIES LLC
Type	Non-Lending Institution
Address	WEST PALM BEACH, FL 33407

Agreement

Amount	Amount on Record
Term	1 Months
Due	May 31, 2024

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 22, 2025
Property Address	1638 HARMONY DR, PORT CHARLOTTE, FL 33952-2758
Document Number	0003570441
Map Reference	MB 7 PG 29-A-29-C
Instrument Date	Sep 22, 2025
Instrument	3570441
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	SECURITY TITLE COMPANY, SECURITY TTL & ABSTRACT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5644 CORPORATE WAY, WEST PALM BEACH, FL 33407-2002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1638 HARMONY DR, PORT CHARLOTTE, FL 33952-2758

Mortgage

Document Number	0003570442
Date	Sep 22, 2025
Instrument	3570442

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 1638 Harmony Dr was $2,170, up 101.5% from the year before.

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	$2,170.00 (+101.49%)	$143,911 (+216.25%)	$77,095 (+13.93%) Land $22,000 Building $55,095
2024	$1,077.00 (+12.19%) Homeowner's exemption	$45,505 (+14.58%)	$67,668 (+1.15%) Land $20,250 Building $47,418
2023	$960.00 (-1.13%) Homeowner's exemption	$39,714 (-7.41%)	$66,898 (-52.26%) Land $18,500 Building $48,398
2022	$971.00 Homeowner's exemption	$42,894	$140,121 Land $14,025 Building $126,096

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

Flood

FEMA maps place 1638 Harmony Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 37 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	37 in force
Nearby Flood Claims	10 (1995–2022)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 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 1638 Harmony Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: CenturyLink.

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