2475 Vessels Rd, Punta Gorda, FL 33980 Property Records

Charlotte County property record for 2475 Vessels Rd, Punta Gorda, FL 33980

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,842 sqft · built 2008
Lot Size	0.851 acres (37,086 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Sep 2023)
Tax Bill	$4,377 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`402213462020`

Property Details

APN / Parcel Number

Primary APN	`402213462020`
Alternative APNs	`00212750000004` `10004576841`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,842 sqft Living Area
Gross Area	4,610 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,086 sqft (0.851 acres)
Lot Dimensions	125 ft deep x 114 ft wide
Garage Type	Attached
Garage Area	871 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Raised Porch
Porch Area	695 sqft
Deck Area	Deck Area
Patio Area	895 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00212750000004
Street Address	2475 VESSELS RD
City	PUNTA GORDA
State	FL
Zip	33980-5901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PORT CHARLOTTE SEC 20 BLK 2265 LT 10 184/419 DC1088/1375 653/504 1088/1378 2020/1851 3286/716 3316055 PCH 020 2265 0011 PORT CHARLOTTE SEC 20 BLK 2265 LT 11 221/531 2020/1850 3286/716 3316055 PCH 020 2265 0009 PORT CHARLOTTE SEC 20 BLK 2265
Legal Range	22E
Legal Township	40S
Legal Section	13
Legal Subdivision	PORT CHARLOTTE
Legal Tract	PCH
Legal Block	2265
Legal Lot Number	10
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1044
Census Tract	20900

Owner

Source: Charlotte County records, as of November 19, 2025

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 Record
Mailing Address	2475 VESSELS RD, PUNTA GORDA, FL 33980-5901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Warranty Deed, Transfer · FHA Mortgage SHAMROCK HOME LOANS INC
Mar 7, 2020	Deed of Trust, Mortgage · VA Mortgage HOMEPROMISE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2023 · Amount on Record
Deed Sale	Sep 18, 2023 · Amount on Record
Prior Sale	Mar 29, 2002 · Amount on Record
Deed Document Number	20233316055
Prior Transfer Date	May 2, 2008
Prior Transfer Doc	0032860716
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 18, 2023
Property Address	2475 VESSELS RD, PORT CHARLOTTE, FL 33980-5901
Document Number	0003316055
Map Reference	MB 5 PG 10-A-10-F
Instrument Date	Sep 15, 2023
Instrument	3316055
Transaction Type	Transfer
Record Updated	Oct 3, 2023
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2475 VESSELS RD, PUNTA GORDA, FL 33980-5901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2475 VESSELS RD, PUNTA GORDA, FL 33980-5901

Mortgage

Document Number	0003316056
Date	Sep 18, 2023
Instrument	3316056

Lender

Name	SHAMROCK HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	2475 VESSELS RD, PORT CHARLOTTE, FL 33980-5901
Document Number	0045521707
Instrument Date	Mar 7, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2475 VESSELS RD PORT CHARLOTTE FL 339805901, PORT CHARLOTTE, FL 33980-5901

Mortgage

Document Number	0045521707
Date	Mar 17, 2020
Book Page	004552/001707
Instrument	2796443

Lender

Name	HOMEPROMISE CORP
Address	GREENCASTLE, PA 17225

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2050

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 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	$4,377.00 (-24.73%)	$330,161 (+114.03%)	$436,816 (+5.64%) Land $49,725 Building $387,091
2024	$5,815.00 (+75.41%)
2023	$3,315.00 (-7.97%) Homeowner's exemption	$154,259 (-10.44%)	$413,483 (+28.47%) Land $51,000 Building $362,483
2022	$3,602.00 Homeowner's exemption	$172,236	$321,861 Land $35,700 Building $286,161

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.

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 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 72 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	72 in force
Nearby Flood Claims	11 (1982–2022)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 5 claims Hurricane Irma, Sep 2017 · 2 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% 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	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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless · Fiber in parts of the area	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: CenturyLink.

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