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20439 Sapling Ave, Port Charlotte, FL 33952 Property Records

Charlotte County property record for 20439 Sapling Ave, Port Charlotte, FL 33952

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,128 sqft · built 1976
Lot Size0.239 acres (10,400 sqft)
Owner2 Individual Names on File
Last Sale$338,000 (Jun 2022)
Tax Bill$1,033 (2025)
Deeds & MortgagesJan 2022 Reverse Mortgage
Jun 2022 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN402209281003

Property Details

APN / Parcel Number

Primary APN402209281003
Alternative APNs
  • 00290780000006
  • 10004569446

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,128 sqft Living Area
Gross Area1,637 sqft
1st Floor Area1,128 sqft

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,400 sqft (0.239 acres)
Lot Dimensions130 ft deep x 80 ft wide
Garage TypeAttached
Garage Area325 sqft
DrivewayDriveway
Driveway Area1 sqft
Parking Spaces1 Parking Space
Pool Area308 sqft
PorchEnclosed/Screened Porch
Porch Area184 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number00290780000006
Street Address20439 SAPLING AVE
CityPORT CHARLOTTE
StateFL
Zip33952-1324
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF3.5
Legal DescriptionPORT CHARLOTTE SEC26 BLK835 LT 6 176/713 499/61 DC499/64 537/362913/1979 AFF1796/1989 1796/1991 2133/1804 CT3470/1374 3473/1452 3503/2049 3511/425 3856/733 4996/1095
Legal Range22E
Legal Township40S
Legal Section09
Legal SubdivisionPORT CHARLOTTE
Legal TractPCH
Legal Block835
Legal Lot Number6
JurisdictionCHARLOTTE FL
Township / Civil DivisionPORT CHARLOTTE
Census Block Group2
Census Block2036
Census Tract20301

Owner

20439 Sapling Ave is owned and occupied by two individuals who bought it in June 2022.

Source: Charlotte County records, as of November 19, 2025

Owner of Record2 Individual Names on File
Mailing Address20439 SAPLING AVE, PORT CHARLOTTE, FL 33952-1324
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

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

DateDocument
Jan 5, 2022Deed of Trust, Mortgage · Reverse Mortgage
OPEN MORTGAGE LLC
Jun 6, 2022Warranty Deed, Transfer · VA Mortgage
GREAT WESTERN FINANCIAL SERVICES IN

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 6, 2022 · Amount on File
Deed SaleJun 6, 2022 · Amount on File
Prior SaleSep 17, 2010 · Amount on File
Deed Document Number20223111397
Deed Book / Page4996 / 1095
Prior Transfer DateApr 10, 2014
Prior Transfer Doc0038560733
Record UpdatedJun 8, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address20439 SAPLING AVE, PORT CHARLOTTE, FL 33952-1324
Transaction TypeMortgage
Record UpdatedApr 17, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address20439 SAPLING AVE, PORT CHARLOTTE, FL 33952-1324

Mortgage

Document Number0049050315
DateJan 5, 2022
Book Page4905/315
Instrument3042250
Lender
NameOPEN MORTGAGE LLC
TypeMortgage Company
AddressAUSTIN, TX 78737
Agreement
TypeReverse Mortgage
AmountAmount on Record
Term939 Months
DueApr 7, 2100
Interest
Rate TypeAdjustable Rate
Rate2.87%
AdjustableAdjustable Rate Rider
Change FrequencyMonthly
Index1-Year CMT
Max Rate12.8%

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateJun 6, 2022
Property Address20439 SAPLING AVE, PORT CHARLOTTE, FL 33952-1324
Document Number0049961095
Book / Page4996 / 1095
Map ReferenceMB 5 PG 19A-19E
Instrument DateJun 3, 2022
Instrument3111397
Transaction TypeTransfer
Record UpdatedJul 13, 2022
Title CompanySUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,366.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3635 WILDCAT RUN, 3635, LAKELAND, FL 33810-6749

Transferred To (Grantee/Buyer)

NameVerified Name
Address20439 SAPLING AVE, PORT CHARLOTTE, FL 33952-1324

Mortgage

Document Number0049961098
DateJun 6, 2022
Instrument4996/1098
Lender
NameGREAT WESTERN FINANCIAL SERVICES IN
TypeSubprime Lender
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 20439 Sapling Ave was $1,033 with exemptions applied, down 44.7% from the year before.

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,033.00 (-44.73%) Homeowner's exemption Veteran's exemption$216,241 Land $18,700 Building $197,541$216,241 Land $18,700 Building $197,541
2024$1,869.00 (-3.71%)
2023$1,941.00 (+4.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$236,973 (+78.04%)$149,888 (-16.25%) Land $18,000 Building $131,888
2022$1,861.00 Homeowner's exemption$133,100$178,970 Land $12,750 Building $166,220

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 20439 Sapling Ave 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 47 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies47 in force
Nearby Flood Claims8 (2001–2022)
Claims Outside the SFHA4 of 8
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 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 20439 Sapling Ave 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 RiskLow
lower than 98% of the US · lower than 97.6% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemCHARLOTTE COUNTY UTILITIES
serves 173,820 people · EPA ID FL5084100
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead10 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2025
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 333 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
T-Mobile
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Ripple Fiber
Fiber		2,000 / 2,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

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