17604 Canopy Ct, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 17604 Canopy Ct, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,440 sqft · built 2019
Lot Size	0.327 acres (14,244 sqft)
Owner	2 Individual Names on Record
Last Sale	$629,000 (Dec 2023)
Tax Bill	$5,491 (2025)
Deeds & Mortgages	Dec 2023 Sale Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`422632204010`

Property Details

APN / Parcel Number

Primary APN	`422632204010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,440 sqft Living Area
Gross Area	3,272 sqft
1st Floor Area	2,440 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,244 sqft (0.327 acres)
Garage Type	Attached
Garage Area	600 sqft
Driveway	Driveway
Driveway Area	702 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Screened Porch
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	17604 CANOPY CT
City	PUNTA GORDA
State	FL
Zip	33982-5044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOZD
Legal Description	BABCOCK RANCH PHASE 2A LT 589 4375/315 4450/778 4959/914 3346538
Legal Range	26E
Legal Township	42S
Legal Section	32
Legal Subdivision	BABCOCK RANCH PHASE 2A
Legal Lot Number	589
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1072
Census Tract	10100

Owner

Source: Charlotte County records, as of July 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	17604 CANOPY CT, PUNTA GORDA, FL 33982-5044
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Warranty Deed, Transfer SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS
Feb 26, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 6, 2022	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Jun 17, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage GUARANTEED RATE
Nov 2, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2023 · Amount on Record
Deed Sale	Dec 7, 2023 · Amount on Record
Prior Sale	Apr 6, 2022 · Amount on Record
Deed Document Number	20233346538
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 7, 2023
Property Address	17604 CANOPY CT, PUNTA GORDA, FL 33982-5044
Document Number	0003346538
Map Reference	MB 22 PG 11A-11J
Instrument Date	Dec 5, 2023
Instrument	3346538
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS

Transaction

Amount	Amount Recorded
Tax	$4,403.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1871 BRADDOCK AVE, NORTH PORT, FL 34288-7355

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	17604 CANOPY CT, PUNTA GORDA, FL 33982-5044

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	17604 CANOPY CT, PUNTA GORDA, FL 33982-5044
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045431625
Date	Feb 26, 2020
Book Page	4543/1625
Instrument	2789771

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 6, 2022
Property Address	17604 CANOPY CT, PUNTA GORDA, FL 33982-5044
Document Number	0049590914
Book / Page	4959 / 914
Map Reference	MB 22 PG 11A-11J
Instrument Date	Apr 5, 2022
Instrument	3083600
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,053.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23539 STREAM AVE, 23539, SORRENTO, FL 32776-0011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17604 CANOPY CT, PUNTA GORDA, FL 33982-5044

Mortgage

Document Number	0004959916
Date	Apr 6, 2022
Instrument	4959/916

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 17, 2019
Property Address	17604 CANOPY CT, PUNTA GORDA, FL 33982-5044
Document Number	0044500778
Book / Page	004450 / 000778
Instrument Date	Jun 14, 2019
Instrument	2718958
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 28, 2019
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,103.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	17604 CANOPY CT BABCOCK RANCH FL 339825044, BABCOCK RANCH, FL 33982-5044

Mortgage

Document Number	44500782
Date	Jun 17, 2019
Book Page	004450/000782
Instrument	2718959

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 2, 2018
Property Address	17604 CANOPY CT, PUNTA GORDA, FL 33982-5044
Document Number	0043750315
Book / Page	004375 / 000315
Instrument Date	Oct 23, 2018
Instrument	2658317
Transaction Type	Transfer
Record Updated	Nov 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,627.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10481 BEN C PRATT/6 MILE CYPRESS PKWY FORT MYERS FL 339666460, FORT MYERS, FL 33966-6460
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

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	$5,491.00 (-35.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption		$565,094 (+22.13%) Land $87,000 Building $478,094
2023	$8,511.00 (+79.07%) Homeowner's exemption	$454,740 (+103.69%)	$462,712 (+9.45%) Land $61,200 Building $401,512
2022	$4,753.00 Homeowner's exemption	$223,255	$422,778 Land $51,000 Building $371,778

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 518 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	870 units insured incl. 352 condo units
Nearby Flood Claims	11 (1995–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Irma, Sep 2017 · 4 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 Risk	High above 81% of the US · above 70% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN AND COUNTRY UTILITY private · serves 13,427 people · EPA ID FL5084116
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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