3115 Ames St, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 3115 Ames St, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,340 sqft · built 1982
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$318,000 (Mar 2023)
Tax Bill	$2,101 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`412318254013`

Property Details

APN / Parcel Number

Primary APN	`412318254013`
Alternative APNs	`00755270000006` `10004706011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,340 sqft Living Area
Gross Area	1,652 sqft
1st Floor Area	1,340 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	312 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00755270000006
Street Address	3115 AMES ST
City	PUNTA GORDA
State	FL
Zip	33950-7181
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-10
Legal Description	AQUI ESTA BLK C LT 10 340/630 707/1066 722/418 892/184 932/151 960/1540 1422/869 CD1452/275 1452/328 CT1558/1807 CD1563/451 1607/169 1809/1478 F/J2874/1930 3037/1475 CD3426/1305 3426/1306 PR22-1089-AT ODH5051/541 NT5063/931-AT 5063/932 324
Legal Range	23E
Legal Township	41S
Legal Section	18
Legal Subdivision	AQUI ESTA
Legal Tract	AQE
Legal Block	C
Legal Lot Number	10
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2021
Census Tract	10301

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	3115 AMES ST, PUNTA GORDA, FL 33950-7181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Warranty Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC
Oct 31, 2022	Warranty Deed, Transfer · Commercial Mortgage LOAN FUNDER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2023 · Amount on Record
Deed Sale	Mar 27, 2023 · Amount on Record
Prior Sale	Oct 31, 2022 · Amount on Record
Deed Document Number	20233240306
Prior Transfer Date	Mar 7, 1996
Prior Transfer Doc	1452000275
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 27, 2023
Property Address	3115 AMES ST, PUNTA GORDA, FL 33950-7181
Document Number	0003240306
Map Reference	MB 3 PG 11&12
Instrument Date	Mar 24, 2023
Instrument	3240306
Transaction Type	Transfer
Record Updated	Apr 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1767 LAKEWOOD RANCH BLVD # BLVD208, BLVD208, BRADENTON, FL 34211-4906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3115 AMES ST, PUNTA GORDA, FL 33950-7181

Mortgage

Document Number	0003240307
Date	Mar 27, 2023
Instrument	3240307

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

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

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 31, 2022
Property Address	3115 AMES ST, PUNTA GORDA, FL 33950-7181
Document Number	0050630932
Book / Page	5063 / 932
Map Reference	MB 3 PG 11&12
Instrument Date	Oct 25, 2022
Instrument	3164625
Transaction Type	Transfer
Record Updated	Dec 20, 2022
Title Company	AMZ TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24820 PORTER MILL RD, HEBRON, MD 21830-1002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1767 LAKEWOOD RANCH BLVD # 208, 208, BRADENTON, FL 34211-4906
Investor	Possibly a Property Investor

Mortgage

Document Number	0005063934
Date	Oct 31, 2022
Instrument	5063/934

Lender

Name	LOAN FUNDER LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 25, 2023

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Municipality	Punta Gorda City
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,101.00 (-19.41%)	$126,485 (-7.16%) Land $20,196 Building $106,289	$126,485 (+13.19%) Land $20,196 Building $106,289
2024	$2,607.00 (+12.37%)
2023	$2,320.00 (+6.81%)	$136,243 (+7.48%)	$111,748 (-11.84%) Land $23,760 Building $87,988
2022	$2,172.00	$126,757 Land $19,186 Building $107,571	$126,757 Land $19,186 Building $107,571

Assessed value is set for property tax purposes, not a market price estimate; it is 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 220 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	462 units insured incl. 242 condo units
Nearby Flood Claims	220 (1978–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 66 claims Hurricane Helene, Oct 2024 · 98 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 18 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	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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	CITY OF PUNTA GORDA serves 36,302 people · EPA ID FL6080051
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 124 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
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

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