2402 Phillips Ln, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 2402 Phillips Ln, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,416 sqft · built 2022
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on File
Last Sale	$25,000 (Jul 2021)
Tax Bill	$4,793 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit May 2023 Reverse Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`41-23-17-102-001`

Property Details

APN / Parcel Number

Primary APN	`41-23-17-102-001`
Alternative APNs	`0078497-000000-6` `10004705150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,416 sqft Living Area
Gross Area	2,146 sqft
Flooring	Covered

Exterior

Year Built	Built 2022
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	100 ft deep x 140 ft wide
Driveway	Driveway
Driveway Area	1 sqft
Pool Area	319 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004705150
Old Parcel Number	00784970000006
Street Address	2402 PHILLIPS LN
City	PUNTA GORDA
State	FL
Zip	33950-6926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF5
Legal Description	CRD 001 0000 0003 CORAL RIDGE UN 1 LTS 3 & 4 259/152 971/1474 2343/216 3721/1014 4387/513 4814/1132 DEC4871/1
Legal Range	23E
Legal Township	41S
Legal Section	17
Legal Subdivision	CORAL RDG UN 01
Legal Lot Number	3-4 4
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1062
Census Tract	10302

Owner

2402 Phillips Ln is owned and occupied by an individual who bought it in July 2021.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2402 PHILLIPS LN, PUNTA GORDA, FL 33950-6926
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 13, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
May 31, 2023	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jul 30, 2021	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS
Dec 10, 2018	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	Dec 10, 2018 · Amount on File
Deed Document Number	2978644
Deed Book / Page	4814 / 1132
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	2402 PHILLIPS LN, PUNTA GORDA, FL 33950-6926
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003219050
Date	Feb 13, 2023
Instrument	3219050

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	2402 PHILLIPS LN, PUNTA GORDA, FL 33950-6926
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2402 PHILLIPS LN, PUNTA GORDA, FL 33950-6926

Mortgage

Document Number	0003271762
Date	May 31, 2023
Instrument	3271762

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	1021 Months
Due	Jun 21, 2108

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2023
Change Frequency	Monthly
Min Rate At Change	1.25%
Max Rate At Change	12.8%
Index	1-Year T-Bill
Max Rate	12.8%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 30, 2021
Property Address	2402 PHILLIPS LN, PUNTA GORDA, FL 33950-6926
Document Number	0048141132
Book / Page	4814 / 1132
Map Reference	MB 4 PG 15-A&15-B
Instrument Date	Jul 30, 2021
Instrument	2978644
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	$175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3118 GREENLEAVES DR, JEFFERSONVILLE, IN 47130-7556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6505 W HERITAGE WAY, FLORENCE, AZ 85132-6604

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 10, 2018
Property Address	2402 PHILLIPS LN, PUNTA GORDA, FL 33950
Document Number	0043870513
Book / Page	004387 / 000513
Instrument Date	Dec 10, 2018
Instrument	2668263
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	557 ROYAL POINCIANA PUNTA GORDA FL 339551023, PUNTA GORDA, FL 33955-1023

Tax Assessment & Valuation

The 2025 property tax bill for 2402 Phillips Ln was $4,793 with a homeowner's exemption.

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	$4,793.00 Homeowner's exemption	$357,764	$372,710 Land $27,692 Building $345,018
2023	$5,229.00 (+634.41%) Homeowner's exemption	$322,776 (+1,537.96%)	$313,721 (+1,492.01%) Land $28,336 Building $285,385
2022	$712.00	$19,706 Land $19,706	$19,706 Land $19,706

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

Flood

FEMA maps place 2402 Phillips Ln 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 547 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	565 units insured incl. 18 condo units
Nearby Flood Claims	191 (1979–2024)
Claims Outside the SFHA	1 of 191
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Frances, Sep 2004 · 16 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 16 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 30 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 2402 Phillips Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 155 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
AT&T Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband, CenturyLink.

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