17645 Canopy Ct, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 17645 Canopy Ct, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,448 sqft · built 2018
Lot Size	0.235 acres (10,215 sqft)
Owner	2 Company Names on Record
Last Sale	$310,500 (Nov 2018)
Tax Bill	$2,911 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`422632207019`

Property Details

APN / Parcel Number

Primary APN	`422632207019`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,448 sqft Living Area
Gross Area	3,299 sqft
1st Floor Area	2,448 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,215 sqft (0.235 acres)
Garage Type	Attached
Garage Area	627 sqft
Driveway	Driveway
Driveway Area	648 sqft
Parking Spaces	2 Parking Spaces
Pool Area	36 sqft
Porch	Slab
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	17645 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 672 4323/729 4376/191 3426653
Legal Range	26E
Legal Township	42S
Legal Section	32
Legal Subdivision	BABCOCK RANCH PHASE 2A
Legal Lot Number	672
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1064
Census Tract	10100

Owner

Source: Charlotte County records, as of May 21, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	17645 CANOPY CT, PUNTA GORDA, FL 33982-5044
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Jun 6, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 13, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Nov 5, 2018	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC
Jun 5, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	20182658984
Deed Book / Page	4376 / 191
Last Transfer Date	Jul 9, 2024
Transfer Doc	0003426653
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	17645 CANOPY CT, PUNTA GORDA, FL 33982-5044
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17645 CANOPY CT, PUNTA GORDA, FL 33982-5044

Mortgage

Document Number	0047101943
Date	Feb 17, 2021
Book Page	4710/1943
Instrument	2905419

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	17645 CANOPY CT, PUNTA GORDA, FL 33982-5044
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17645 CANOPY CT, PUNTA GORDA, FL 33982-5044

Mortgage

Document Number	0049961584
Date	Jun 6, 2022
Book Page	4996/1584
Instrument	3111544

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	17645 CANOPY CT, PUNTA GORDA, FL 33982-5044
Document Number	0044760894
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	17645 CANOPY CT PUNTA GORDA FL 339825044, PUNTA GORDA, FL 33982-5044

Mortgage

Document Number	0044760894
Date	Aug 27, 2019
Book Page	004476/000894
Instrument	2738847

Lender

Name	CLEARPATH LNDG
Address	ANAHEIM HILLS, CA 92808

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2049

November 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 5, 2018
Property Address	17645 CANOPY CT, PUNTA GORDA, FL 33982-5044
Document Number	0043760191
Book / Page	4376 / 0191
Map Reference	MB22 PG11
Instrument Date	Oct 31, 2018
Instrument	2658984
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 27, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,173.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10481 BEN C PRATT/6 MILE CYPRESS PKWY, 10481, FORT MYERS, FL 33966-6460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17645 CANOPY CT, BABCOCK RANCH, FL 33982-5044

Mortgage

Document Number	0002658985
Date	Nov 5, 2018
Instrument	2658985

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 5, 2018
Property Address	17645 CANOPY CT, PUNTA GORDA, FL 33982-5044
Document Number	0043230729
Book / Page	004323 / 000729
Instrument Date	May 18, 2018
Instrument	2618438
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,552.50
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 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	$2,911.00 (-41.3%)	$239,733 (+5.99%)	$431,556 (-14.71%) Land $73,950 Building $357,606
2024	$4,959.00 (+1.56%)
2023	$4,883.00 (+5.74%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$226,191 (+3%)	$505,973 (+27.95%) Land $72,000 Building $433,973
2022	$4,618.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$219,603	$395,448 Land $51,000 Building $344,448

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 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 72% of Florida
Wildfire Likelihood	0.8% 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	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 440 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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