25443 Panache Ln, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 25443 Panache Ln, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,204 sqft · built 2007
Lot Size	0.27 acres (11,740 sqft)
Owner	2 Individual Names on Record
Last Sale	$413,000 (Sep 2025)
Tax Bill	$3,489 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`402308485004`

Property Details

APN / Parcel Number

Primary APN	`402308485004`
Alternative APNs	`00952623308408` `10004612350`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,204 sqft Living Area
Gross Area	3,094 sqft
1st Floor Area	2,204 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,740 sqft (0.27 acres)
Garage Type	Attached
Garage Area	484 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Pool Area	240 sqft
Porch	Slab
Porch Area	405 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00952623308408
Street Address	25443 PANACHE LN
City	PUNTA GORDA
State	FL
Zip	33983-6080
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PUNTA GORDA ISLES SEC23 BLK723 LT 4 837/1662-73 909/1287 2522/1381 2939/1134 4238/1130
Legal Range	23E
Legal Township	40S
Legal Section	08
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	723
Legal Lot Number	4
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	2
Census Block	2007
Census Tract	20101

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	25443 PANACHE LN, PUNTA GORDA, FL 33983-6080
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Sep 21, 2017	Warranty Deed, Transfer · Conventional Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Sep 21, 2017 · Amount on Record
Deed Document Number	20253571558
Prior Transfer Date	Sep 14, 2017
Prior Transfer Doc	0042381130
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 25, 2025
Property Address	25443 PANACHE LN, PUNTA GORDA, FL 33983-6080
Document Number	0003571558
Map Reference	MB 12 PG 2-A
Instrument Date	Sep 17, 2025
Instrument	3571558
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,891.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25443 PANACHE LN, NORTH PORT, FL 34291

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	25443 PANACHE LN, PUNTA GORDA, FL 33983-6080

Mortgage

Document Number	0003571559
Date	Sep 25, 2025
Instrument	3571559

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate	5.86%
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Max Rate	10.8%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 21, 2017
Property Address	25443 PANACHE LN, PUNTA GORDA, FL 33983-6080
Document Number	0042381130
Book / Page	4238 / 1130
Map Reference	MB12 PG2A-2Z41
Instrument Date	Sep 14, 2017
Instrument	2552965
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	HOMETOWN TITLE & CLOSING SVC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25443 PANACHE LN, 25443, PUNTA GORDA, FL 33983-6080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25443 PANACHE LN, PUNTA GORDA, FL 33983-6080

Mortgage

Document Number	0002552966
Date	Sep 21, 2017
Instrument	2552966

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$3,489.00 (-19.11%)	$271,341 (+2.9%)	$367,572 (-1.06%) Land $38,250 Building $329,322
2024	$4,313.00 (+0.61%) Homeowner's exemption	$263,694 (+3%)	$371,527 (+1.35%) Land $43,000 Building $328,527
2023	$4,287.00 (+6.3%) Homeowner's exemption	$256,014 (+3%)	$366,589 (+6.47%) Land $38,000 Building $328,589
2022	$4,033.00 Homeowner's exemption	$248,557	$344,328 Land $27,200 Building $317,128

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 82 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	82 in force
Nearby Flood Claims	3 (2005–2022)
Claims Outside the SFHA	3 of 3
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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 306 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

May also be available: BridgeMAXX Suncoast Broadband, CenturyLink.

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