22497 Troy Ave, Punta Gorda, FL 33980 Property Records

Charlotte County property record for 22497 Troy Ave, Punta Gorda, FL 33980

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,068 sqft · built 1978
Lot Size	0.485 acres (21,115 sqft)
Owner	2 Individual Names on Record
Last Sale	$64,600 (Jul 2019)
Tax Bill	$928 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jul 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`402223440002`

Property Details

APN / Parcel Number

Primary APN	`402223440002`
Alternative APNs	`00095730000008` `10004594393`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,068 sqft Living Area
Gross Area	1,704 sqft
1st Floor Area	1,068 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,115 sqft (0.485 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	350 sqft
Driveway	Driveway
Driveway Area	640 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	286 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00095730000008
Street Address	22497 TROY AVE
City	PUNTA GORDA
State	FL
Zip	33980-8524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PORT CHARLOTTE SEC13 BLK506 LT 15 233/52 DC921/1734 NT1605/1786 1597/2022 PR98-222-EHJ 3574/2130 3576/541 3863/1390 CD4455/1461 4455/1462 PCH 013 0506 0016 PORT CHARLOTTE SEC13 BLK506 LT 16 298/879 DC516/83 559/904 1044/64 1083
Legal Range	22E
Legal Township	40S
Legal Section	23
Legal Subdivision	PORT CHARLOTTE
Legal Tract	PCH
Legal Block	506
Legal Lot Number	15
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	2
Census Block	2091
Census Tract	20900

Owner

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

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	22497 TROY AVE, PORT CHARLOTTE, FL 33980-8524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2019	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE INC
Jul 1, 2019	Correction Deed HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2019 · Amount on Record
Deed Sale	Jul 1, 2019 · Amount on Record
Prior Sale	Dec 3, 2012
Deed Document Number	20192722756
Deed Book / Page	4455 / 1462
Prior Transfer Date	Jun 24, 2019
Prior Transfer Doc	0044551461
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 1, 2019
Property Address	22497 TROY AVE, PORT CHARLOTTE, FL 33980-8524
Document Number	0044551462
Book / Page	4455 / 1462
Map Reference	MB 5 PG 2A-2G
Instrument Date	Jun 24, 2019
Instrument	2722756
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	HOMETOWN T&E SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$452.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22497 TROY AVE, PUNTA GORDA, FL 33980-8524

Mortgage

Document Number	0044551463
Date	Jul 1, 2019
Instrument	4455/1463

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

July 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 1, 2019
Property Address	22497 TROY AVE, PORT CHARLOTTE, FL 33980-8524
Document Number	0044551461
Book / Page	004455 / 001461
Instrument Date	Jun 24, 2019
Instrument	2722755
Record Updated	Jul 12, 2019
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22497 TROY AVE PORT CHARLOTTE FL 339808524, PORT CHARLOTTE, FL 33980-8524

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	$928.00 (-56.1%) Homeowner's exemption	$101,529 (+13.78%)	$185,822 (+46.47%) Land $37,400 Building $148,422
2024	$2,114.00 (+9.42%)
2023	$1,932.00 (+0.26%) Homeowner's exemption	$89,229 (-4.06%)	$126,869 (-25.34%) Land $44,000 Building $82,869
2022	$1,927.00 Homeowner's exemption	$93,004	$169,930 Land $26,350 Building $143,580

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 194 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	35 (1992–2023)
Claims Outside the SFHA	4 of 35
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 9 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	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 345 locations within half a mile, as of December 31, 2025

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

May also be available: CenturyLink.

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