29020 Tortoise Trl, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 29020 Tortoise Trl, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,887 sqft · built 2003
Lot Size	1.02 acres (44,797 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Mar 2017)
Tax Bill	$4,507 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`402312103008`

Property Details

APN / Parcel Number

Primary APN	`402312103008`
Alternative APNs	`00887031002608` `10004615080`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,887 sqft Living Area
Gross Area	5,152 sqft
Upper Floors Area	1,520 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	44,797 sqft (1.02 acres)
Garage Type	Attached
Garage Area	609 sqft
Driveway	Concrete Driveway
Driveway Area	1,800 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	308 sqft
Porch	Raised Porch
Porch Area	656 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00887031002608
Street Address	29020 TORTOISE TRL
City	PUNTA GORDA
State	FL
Zip	33982-8588
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PEACE RIVER CLUB LT 26 1551/542 2011/2042 DC2547/824-JMS 3553/969 4179/615
Legal Range	23E
Legal Township	40S
Legal Section	12
Legal Subdivision	PEACE RIVER CLUB
Legal Tract	PCL
Legal Lot Number	26
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1026
Census Tract	10200

Owner

29020 Tortoise Trl is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	29020 TORTOISE TRL, PUNTA GORDA, FL 33982-8588
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
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 22, 2017	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2017 · Amount on File
Deed Sale	Mar 22, 2017 · Amount on File
Prior Sale	Mar 9, 2011 · Amount on File
Deed Document Number	20172509094
Deed Book / Page	4179 / 615
Prior Transfer Date	Mar 6, 1995
Prior Transfer Doc	1393000901
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	29020 TORTOISE TRL, PUNTA GORDA, FL 33982-8588
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045091711
Date	Nov 27, 2019
Book Page	4509/1711
Instrument	2763967

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 22, 2017
Property Address	29020 TORTOISE TRL, PUNTA GORDA, FL 33982-8588
Document Number	0041790615
Book / Page	4179 / 0615
Map Reference	MB17 PG23A-23C
Instrument Date	Mar 15, 2017
Instrument	2509094
Transaction Type	Transfer
Record Updated	Feb 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29020 TORTOISE TRL, PUNTA GORDA, FL 33982-8588

Mortgage

Document Number	0002509095
Date	Mar 22, 2017
Instrument	2509095

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 29020 Tortoise Trl was $4,507 with a homeowner's exemption, down 9.9% from the year before.

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	$4,507.00 (-9.91%) Homeowner's exemption	$338,784	$538,024 Land $51,000 Building $487,024
2024	$5,003.00 (+0.32%)
2023	$4,987.00 (+3.31%) Homeowner's exemption	$319,647 (+3%)	$523,095 (+24.52%) Land $32,000 Building $491,095
2022	$4,827.00 Homeowner's exemption	$310,337	$420,092 Land $27,200 Building $392,892

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

Flood

FEMA maps place 29020 Tortoise Trl in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 126 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	68 (1982–2024)
Claims Outside the SFHA	4 of 68
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 29 claims Hurricane Helene, Sep 2024 · 14 claims Hurricane Ian, Sep 2022 · 7 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 29020 Tortoise Trl is moderate, ranking above 59% 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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 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

May also be available: BridgeMAXX Suncoast Broadband.

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