2272 Palm Tree Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 2272 Palm Tree Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,718 sqft · built 2023
Lot Size	0.22 acres (9,599 sqft)
Owner	2 Trust Names on File
Last Sale	$337,500 (May 2021)
Tax Bill	$19,821 (2025)
Deeds & Mortgages	Nov 2025 Transfer Apr 2024 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`412211331004`

Property Details

APN / Parcel Number

Primary APN	`412211331004`
Alternative APNs	`00929820000009` `10004690349`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,718 sqft Living Area
Gross Area	3,835 sqft
1st Floor Area	2,718 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Tile
Lot Area	9,599 sqft (0.22 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	447 sqft
Driveway	Driveway
Driveway Area	867 sqft
Pool Area	100 sqft
Porch	Raised Porch
Loading Dock	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00929820000009
Street Address	2272 PALM TREE DR
City	PUNTA GORDA
State	FL
Zip	33950-5008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC4 BLK10 LT 32 151/180 DC411/228 452/787 1471/1682 3899/2120 DC4142/1491-FSG DC4292/395-RG AFF4292/397 AFF4321/635 4412/677 4764/2151
Legal Range	22E
Legal Township	41S
Legal Section	11
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	10
Legal Lot Number	32
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2001
Census Tract	10401

Owner

2272 Palm Tree Dr is owner-occupied and held in a trust since May 2021.

Source: Charlotte County records, as of November 25, 2025

Owner of Record	2 Trust Names on File
Mailing Address	2272 PALM TREE DR, PUNTA GORDA, FL 33950-5008
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Nov 12, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 29, 2024	Deed of Trust, Mortgage HOMETAP EQUITY PARTNERS LLC
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage DRUMMOND COMMUNITY BANK
May 12, 2021	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS
Mar 5, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2021 · Amount on File
Deed Sale	May 12, 2021 · Amount on File
Deed Document Number	20212943779
Deed Book / Page	4764 / 2151
Prior Transfer Date	Feb 25, 2019
Prior Transfer Doc	0044120677
Record Updated	Jun 8, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 12, 2025
Property Address	2272 PALM TREE DR, PUNTA GORDA, FL 33950-5008
Document Number	0003586732
Map Reference	MB 5 PG 45
Instrument Date	Nov 11, 2025
Instrument	3586732
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2272 PALM TREE DR, PUNTA GORDA, FL 33950-5008

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2272 PALM TREE DR, PUNTA GORDA, FL 33950-5008

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	2272 PALM TREE DR, PUNTA GORDA, FL 33950-5008
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2272 PALM TREE DR, PUNTA GORDA, FL 33950-5008

Mortgage

Document Number	0003399135
Date	Apr 29, 2024
Instrument	3399135

Lender

Name	HOMETAP EQUITY PARTNERS LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02116

Agreement

Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	2272 PALM TREE DR, PUNTA GORDA, FL 33950-5008
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	MCCRORY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 STICKNEY RD, ATKINSON, NH 03811-2147

Mortgage

Document Number	0048771556
Date	Nov 17, 2021
Book Page	4877/1556
Instrument	3023257

Lender

Name	DRUMMOND COMMUNITY BANK
Type	Bank
Address	CHIEFLAND, FL 32626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	373 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	8.5%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 12, 2021
Property Address	2272 PALM TREE DR, PUNTA GORDA, FL 33950-5008
Document Number	0047642151
Book / Page	4764 / 2151
Map Reference	MB 5 PG 45-A&45-B
Instrument Date	May 12, 2021
Instrument	2943779
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount on Record
Tax	$2,362.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1905 ATLANTIC ST APT 325, 325, MELBOURNE BEACH, FL 32951-2457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 STICKNEY RD, ATKINSON, NH 03811-2147

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 5, 2019
Property Address	2272 PALM TREE DR, PUNTA GORDA, FL 33950-5008
Document Number	0044120677
Book / Page	004412 / 000677
Instrument Date	Feb 25, 2019
Instrument	2688850
Transaction Type	Transfer
Record Updated	Mar 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1905 ATLANTIC ST #325 MELBOURNE BEACH FL 329512457, 325, MELBOURNE BEACH, FL 32951-2457

Tax Assessment & Valuation

The 2025 property tax bill for 2272 Palm Tree Dr was $19,821 with a homeowner's exemption, down 4.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Municipality	Punta Gorda City
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,821.00 (-4.1%) Homeowner's exemption	$1,233,730 Land $372,300 Building $861,430	$1,233,730 Land $372,300 Building $861,430
2024	$20,668.00 (+190.53%)
2023	$7,114.00 (+13.52%)	$341,275 (+1%)	$438,000 (+41.18%) Land $438,000
2022	$6,267.00	$310,250 Land $310,250	$310,250 Land $310,250

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2272 Palm Tree Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 436 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,147 units insured incl. 711 condo units
Nearby Flood Claims	242 (1982–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 140 claims Hurricane Helene, Sep 2024 · 43 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 19 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

The area around 2272 Palm Tree Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CITY OF PUNTA GORDA serves 36,302 people · EPA ID FL6080051
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 364 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
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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