2961 SE Shell Pit Rd, Arcadia, FL 34266 Property Records

DeSoto County property record for 2961 SE Shell Pit Rd, Arcadia, FL 34266

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 2018
Lot Size	27.5 acres (1,200,078 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Jun 1999)
Tax Bill	$1,554 (2024)
Deeds & Mortgages	Jan 2026 Transfer Apr 2022 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`32-39-25-0000-0010-0000`

Property Details

APN / Parcel Number

Primary APN	`32-39-25-0000-0010-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Heated Area
Gross Area	3,160 sqft
Flooring	Parquet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,200,078 sqft (27.5 acres)
Garage Type	Carport
Carport	Carport
Driveway	Driveway
Driveway Area	351 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	2,132 sqft
Patio Area	140 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2961 SE SHELL PIT RD
City	ARCADIA
State	FL
Zip	34266-7698
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-5
Legal Description	THAT PART OF E1/2 OF E1/2 OF NE1/4 N OF PRAIRIE CREEK OR 431/1023
Legal Range	25E
Legal Township	39S
Legal Section	32
Legal Subdivision	PRAIRIE CREEK
Jurisdiction	DE SOTO FL
Township / Civil Division	ARCADIA WEST
Census Block Group	1
Census Block	1031
Census Tract	10406

Owner

Source: DeSoto County records, as of February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	PO BOX 511136, PUNTA GORDA, FL 33951-1136
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage DRUMMOND COMMUNITY BANK
Aug 15, 2019	Loan Modification, Mortgage DRUMMOND CMNTY BK
Feb 27, 2018	Trustee's Deed, Construction Loan · Construction Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 4, 1999 · Amount on Record
Deed Sale	Jun 4, 1999 · Amount on Record
Prior Sale	Jun 4, 1999 · Amount on Record
Deed Document Number	0004311023
Deed Book / Page	32392
Last Transfer Date	Jan 8, 2026
Transfer Doc	0014000197
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE SOTO FL
Recording Date	Jan 8, 2026
Property Address	2961 SE SHELL PIT RD, ARCADIA, FL 34266-7698
Document Number	0014000197
Instrument Date	Jan 2, 2026
Instrument	202614000197
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 511136, PUNTA GORDA, FL 33951-1136

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 511136, PUNTA GORDA, FL 33951-1136

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE SOTO FL
Property Address	2961 SE SHELL PIT RD, ARCADIA, FL 34266-7698
Transaction Type	Mortgage
Record Updated	Mar 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2961 SE SHELL PIT RD, ARCADIA, FL 34266-7698

Mortgage

Document Number	0014003013
Date	Apr 13, 2022
Instrument	202214003013

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 12, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE SOTO FL
Property Address	2961 SE SHELL PIT RD, ARCADIA, FL 34266-7698
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HOMETOWN TTL & CLOSING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014007367
Date	Dec 9, 2020
Instrument	202014007367

Lender

Name	DRUMMOND COMMUNITY BANK
Type	Bank
Address	CHIEFLAND, FL 32626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DE SOTO FL
Property Address	2961 SE SHELL PIT RD, ARCADIA, FL 34266-7698
Document Number	0014005230
Instrument Date	Aug 15, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 511136 PUNTA GORDA FL 339511136, PUNTA GORDA, FL 33951-1136

Mortgage

Document Number	0014005230
Date	Aug 16, 2019
Instrument	14005230

Lender

Name	DRUMMOND CMNTY BK
Type	Bank
Address	CHIEFLAND, FL 32626

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

February 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	DE SOTO FL
Recording Date	Feb 27, 2018
Property Address	2961 SE SHELL PIT RD, ARCADIA, FL 34266-7698
Instrument Date	Feb 23, 2018
Instrument	14001169
Transaction Type	Construction Loan
Record Updated	May 9, 2018
Title Company	HOMETOWN TITLE AND CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0014001169
Date	Feb 27, 2018
Instrument	14001169

Lender

Name	PEOPLES BK
Type	Bank
Address	LAKE CITY, FL 32025

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	DeSoto County
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$113,966 (+10.63%) Land $28,737 Building $85,229	$563,870 (+11.1%)
2024	$1,554.00 (+7.92%)
2023	$1,440.00 (-5.39%) Homeowner's exemption	$103,015 (-4.71%) Land $23,768 Building $79,247	$507,538 (-1.65%)
2022	$1,522.00 Homeowner's exemption	$108,111 Land $23,933 Building $84,178	$516,056

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 October 6, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 30 policies
Nearby Flood Policies	30 in force
Nearby Flood Claims	14 (1988–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 5 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	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.5% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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