276 Popayan St, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 276 Popayan St, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,291 sqft · built 2004
Lot Size	0.562 acres (24,498 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Oct 2021)
Tax Bill	$938 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-23-03-327-001`

Property Details

APN / Parcel Number

Primary APN	`40-23-03-327-001`
Alternative APNs	`0095262-079150-5` `10004605961`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,291 sqft Living Area
Gross Area	3,052 sqft

Exterior

Year Built	Built 2004
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	24,498 sqft (0.562 acres)
Garage Area	397 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	1 Parking Space
Pool Area	264 sqft
Porch	Open Porch
Porch Area	364 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004605961
Old Parcel Number	00952620791505
Street Address	276 POPAYAN ST
City	PUNTA GORDA
State	FL
Zip	33983-5440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PGI 020 0537 0035 PUNTA GORDA ISLES SEC20 BLK537 LTS 35 & 36 711/296 837/1662 1006/17 1025/295 1352/1809 2044/6
Legal Range	23E
Legal Township	40S
Legal Section	03
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	537
Legal Lot Number	35 36
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1014
Census Tract	20103

Owner

276 Popayan St is owned and occupied by an individual who bought it in October 2021.

Source: Charlotte County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	276 POPAYAN ST, PUNTA GORDA, FL 33983-5440
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
Dec 9, 2025	Deed of Trust, Mortgage · VA Mortgage NOVUS HOME MORTGAGE
Apr 18, 2023	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Oct 18, 2021	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 11, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on File
Deed Sale	Oct 18, 2021 · Amount on File
Prior Sale	Jun 11, 2021 · Amount on File
Deed Document Number	3010716
Deed Book / Page	4859 / 1431
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	276 POPAYAN ST, PUNTA GORDA, FL 33983-5440
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 POPAYAN ST, PUNTA GORDA, FL 33983-5440

Mortgage

Document Number	0003594751
Date	Dec 9, 2025
Instrument	3594751

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company
Address	BROOKFIELD, WI 53045

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	276 POPAYAN ST, PUNTA GORDA, FL 33983-5440
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 POPAYAN STREETQ, PUNTA GORDA, FL 33983-5440

Mortgage

Document Number	0003252167
Date	Apr 18, 2023
Instrument	3252167

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	PEORIA, IL 61613

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 18, 2021
Property Address	276 POPAYAN ST, PUNTA GORDA, FL 33983-5440
Document Number	0048591431
Book / Page	4859 / 1431
Map Reference	MB 11 PG 2A-2Z42
Instrument Date	Oct 15, 2021
Instrument	3010716
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	84 GOLF COURSE EST, 84, GLASGOW, KY 42141-9150

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	276 POPAYAN ST, PUNTA GORDA, FL 33983-5440

Mortgage

Document Number	48591433
Date	Oct 18, 2021
Instrument	4859/1433

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 11, 2021
Property Address	276 POPAYAN ST, PUNTA GORDA, FL 33983-5440
Document Number	0047840086
Book / Page	4784 / 86
Map Reference	MB 11 PG 2A-2Z42
Instrument Date	Jun 9, 2021
Instrument	2957802
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,646.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	276 POPAYAN ST, 276, PUNTA GORDA, FL 33983-5440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	941 SIDDENS RD, GLASGOW, KY 42141-9768

Mortgage

Document Number	478488
Date	Jun 11, 2021
Instrument	4784/88

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 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	Disabled Person's exemption Veteran's exemption	$449,081	$459,418 Land $90,000 Building $369,418
2024	$938.00 (+4.22%)
2023	$900.00 (+21.46%) Disabled Person's exemption Veteran's exemption	$426,316 (+3%)	$440,512 (+6.43%) Land $76,000 Building $364,512
2022	$741.00 Disabled Person's exemption	$413,898 Land $54,400 Building $359,498	$413,898 Land $54,400 Building $359,498

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

Flood

FEMA maps place 276 Popayan St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 104 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	104 in force
Nearby Flood Claims	9 (2001–2022)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Ian, Sep 2022 · 3 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 276 Popayan St is moderate, ranking above 51% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 209 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

May also be available: Verizon.

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