23157 Ruby Ave, Port Charlotte, FL 33952 Property Records

Charlotte County property record for 23157 Ruby Ave, Port Charlotte, FL 33952

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,830 sqft · built 1984
Lot Size	0.234 acres (10,228 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Sep 2005)
Tax Bill	$771 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-22-12-180-003`

Property Details

APN / Parcel Number

Primary APN	`40-22-12-180-003`
Alternative APNs	`0009144-000000-8` `10004574071`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,830 sqft Living Area
Gross Area	2,642 sqft

Exterior

Year Built	Built 1984
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	10,228 sqft (0.234 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Enclosed/Chattahoochee Porch
Porch Area	412 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004574071
Old Parcel Number	00091440000008
Street Address	23157 RUBY AVE
City	PORT CHARLOTTE
State	FL
Zip	33952-2958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PCH 012 1642 0011 PORT CHARLOTTE SEC12 BLK1642 LT11 250/222 383/131 703/1754 756/1266 DC954-8 1062/1767 106
Legal Range	22E
Legal Township	40S
Legal Section	12
Legal Subdivision	PORT CHARLOTTE
Legal Block	1642
Legal Lot Number	11
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1024
Census Tract	20203

Owner

Source: Charlotte County records · APN 40-22-12-180-003

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Mailing Address	23157 RUBY AVE, PORT CHARLOTTE, FL 33952-2958
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 23, 2005 · Amount on Record
Deed Sale	Sep 23, 2005 · Amount on Record
Prior Sale	Aug 04, 1998 · Amount on Record
Deed Document Number	1456551
Deed Book / Page	2812 / 0134
Record Updated	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	23157 RUBY AVE, PORT CHARLOTTE, FL 33952-2958
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23157 RUBY AVE, PORT CHARLOTTE, FL 33952-2958

Mortgage

Document Number	0048520225
Date	Oct 04, 2021
Book Page	4852/225
Instrument	3005060

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 01, 2031

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$771.00 (-38.76%) Homeowner's exemption Widower's exemption	$96,149 (+22.37%)	$251,910 (+1.68%) Land $22,000 Building $229,910
2023	$1,259.00 (-12.81%) Homeowner's exemption Widower's exemption	$78,570 (-10.79%)	$247,753 (-12.29%) Land $22,000 Building $225,753
2022	$1,444.00 Homeowner's exemption Widower's exemption	$88,075	$282,475 Land $13,175 Building $269,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 28, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 43 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · Hurricane Ian

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
T-Mobile USA Fiber	5,000 / 5,000
Lumen Technologies Fiber	3,000 / 3,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Ripple Fiber.

Based on FCC filings for 257 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CHARLOTTE COUNTY UTILITIES serves 173,820 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.