245 Spaniards Rd, Placida, FL 33946 Property Records

Charlotte County property record for 245 Spaniards Rd, Placida, FL 33946

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,192 sqft · built 1987
Lot Size	0.539 acres (23,455 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Mar 2014)
Tax Bill	$8,272 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`422003280006`

Property Details

APN / Parcel Number

Primary APN	`422003280006`
Alternative APNs	`00766600005006` `10004716337`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,192 sqft Living Area
Gross Area	3,072 sqft
1st Floor Area	2,192 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	23,455 sqft (0.539 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	459 sqft
Driveway	Concrete Driveway
Driveway Area	952 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	38 sqft
Porch	Slab
Porch Area	301 sqft
Deck Area	36 sqft
Patio Area	36 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00766600005006
Street Address	245 SPANIARDS RD
City	PLACIDA
State	FL
Zip	33946-2261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF2
Legal Description	CAPE HAZE BLK L LT 5 852/2214 1404/1318 CD1593/1118 1593/1119 1671/2097 3851/605
Legal Range	20E
Legal Township	42S
Legal Section	03
Legal Subdivision	CAPE HAZE
Legal Tract	CHS
Legal Block	L
Legal Lot Number	5
Jurisdiction	CHARLOTTE FL
Township / Civil Division	GROVE CITY-ROTONDA
Census Block Group	2
Census Block	2010
Census Tract	30402

Owner

Source: Charlotte County records · APN 422003280006

Assessment roll updated March 4, 2026 · Last verified June 2026

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 File
Mailing Address	245 SPANIARDS RD, PLACIDA, FL 33946-2261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 2014 · Amount on Record
Deed Sale	Mar 24, 2014 · Amount on Record
Deed Document Number	20142252757
Deed Book / Page	3851 / 605
Prior Transfer Date	Jan 12, 1998
Prior Transfer Doc	1671002097
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	245 SPANIARDS RD, PLACIDA, FL 33946-2261
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 SPANLARDS RD, PLACIDA, FL 33946-2261

Mortgage

Document Number	0046310445
Date	Sep 15, 2020
Book Page	4631/445
Instrument	2851535

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated March 4, 2026 · Last verified June 2026

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,272.00 (+3.75%) Homeowner's exemption	$515,246 (+5.84%)	$989,659 (+32.85%) Land $382,500 Building $607,159
2023	$7,973.00 (+2.85%) Homeowner's exemption	$486,837 (+2.82%)	$744,931 (+9.92%) Land $480,000 Building $264,931
2022	$7,752.00 Homeowner's exemption	$473,486	$677,730 Land $408,000 Building $269,730

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 677 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,446 units insured incl. 769 condo units
Nearby Flood Claims	679 (1982–2025)
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 377 claims Hurricane Helene, Oct 2024 · 156 claims Hurricane Ian, Sep 2022 · 39 claims

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	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)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 94 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.