23176 Ruby Ave, Port Charlotte, FL 33952 Property Records

Charlotte County property record for 23176 Ruby Ave, Port Charlotte, FL 33952

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,652 sqft · built 1982
Lot Size	0.702 acres (30,622 sqft)
Owner	Individual Name on Record
Last Sale	$429,874 (Jul 2021)
Tax Bill	$5,035 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-22-12-179-013`

Property Details

APN / Parcel Number

Primary APN	`40-22-12-179-013`
Alternative APNs	`0009121-000000-5` `10004574067`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,652 sqft Living Area
Gross Area	3,477 sqft

Exterior

Year Built	Built 1982
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	30,622 sqft (0.702 acres)
Lot Dimensions	120 ft deep x 85 ft wide
Garage Area	483 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Finished/Screened Porch
Porch Area	342 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004574067
Old Parcel Number	00091210000005
Street Address	23176 RUBY AVE
City	PORT CHARLOTTE
State	FL
Zip	33952-2957
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PCH 012 1641 0005 PORT CHARLOTTE SEC 12 BLK 1641 LT 5 569/802 897/1127 1162/1972 1330/2013 3584/1362 AGR4163/881
Legal Range	22E
Legal Township	40S
Legal Section	12
Legal Subdivision	PORT CHARLOTTE
Legal Block	1641
Legal Lot Number	5
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1025
Census Tract	20203

Owner

Source: Charlotte County records, as of December 10, 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 Record
Co-owner	Co-owner on Record
Mailing Address	23176 RUBY AVE, PORT CHARLOTTE, FL 33952-2957
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2021 · Amount on Record
Deed Sale	Jul 22, 2021 · Amount on Record
Prior Sale	Jul 18, 2011 · Amount on Record
Deed Document Number	2975411
Deed Book / Page	4809 / 1934
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 22, 2021
Property Address	23176 RUBY AVE, PORT CHARLOTTE, FL 33952-2957
Document Number	0048091934
Book / Page	4809 / 1934
Map Reference	MB 5 PG 1A-1D
Instrument Date	Jul 16, 2021
Instrument	2975411
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	FLORIDA ABSTRACT AND SECURITY TITLE, FLORIDA ABSTRACT & SECURITY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,009.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23176 RUBY AVE, 23176, PORT CHARLOTTE, FL 33952-2957

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1948 NORFOLK DR, HOLIDAY, FL 34691-4641
Investor	Possibly a Property Investor

Mortgage

Document Number	0048091935
Date	Jul 22, 2021
Instrument	4809/1935

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 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	$5,035.00 (-20.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$378,785 (+5.99%)	$340,686 (+7.77%) Land $66,000 Building $274,686
2023	$6,317.00 (+3.25%) Homeowner's exemption	$357,388 (+3%)	$316,110 (-10.06%) Land $66,000 Building $250,110
2022	$6,118.00 Homeowner's exemption	$346,979	$351,471 Land $39,525 Building $311,946

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
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

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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% 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 257 locations within half a mile, as of December 31, 2025

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

May also be available: Ripple Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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