3315 Dover Dr, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 3315 Dover Dr, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1962
Lot Size	0.261 acres (11,387 sqft)
Owner	2 Individual Names on File
Last Sale	$260,500 (Apr 2024)
Tax Bill	$2,780 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`402322306017`

Property Details

APN / Parcel Number

Primary APN	`402322306017`
Alternative APNs	`00838960000003` `10004622239`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,502 sqft
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,387 sqft (0.261 acres)
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Enclosed/Screened Porch
Porch Area	350 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00838960000003
Street Address	3315 DOVER DR
City	PUNTA GORDA
State	FL
Zip	33983-3519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	HRBR HTS SEC 4 REV PART 4 BLK 85A LT 2 & BLK 85 LT 25 DC362/361 736/269 DC1036/216(AL) 1101/404 1131/1489 2020/69 DC2236/1737(AKB) 2236/1739 2339/157 4412/1073 POA3398885-LC 3398886
Legal Range	23E
Legal Township	40S
Legal Section	22
Legal Subdivision	HRBR HTS
Legal Tract	HBH
Legal Block	85A,8
Legal Lot Number	2,25
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1059
Census Tract	21001

Owner

3315 Dover Dr is owned and occupied by two individuals who bought it in April 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3315 DOVER DR, PUNTA GORDA, FL 33983-3519
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Jun 17, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 5, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2024 · Amount on File
Deed Sale	Apr 29, 2024 · Amount on File
Prior Sale	Mar 5, 2019 · Amount on File
Deed Document Number	20243398886
Prior Transfer Date	Oct 31, 2003
Prior Transfer Doc	0023390157
Record Updated	Jun 8, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 29, 2024
Property Address	3315 DOVER DR, PUNTA GORDA, FL 33983-3519
Document Number	0003398886
Map Reference	MB 3 PG 79A&79B
Instrument Date	Apr 25, 2024
Instrument	3398886
Transaction Type	Transfer
Record Updated	May 15, 2024
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,823.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3315 DOVER DR, PUNTA GORDA, FL 33983-3519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 DOVER DR, PUNTA GORDA, FL 33983-3519

Mortgage

Document Number	0003398887
Date	Apr 29, 2024
Instrument	3398887

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	3315 DOVER DR, PUNTA GORDA, FL 33983-3519
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045890272
Date	Jun 17, 2020
Book Page	4589/272
Instrument	2821638

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Mar 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 5, 2019
Property Address	3315 DOVER DR, PUNTA GORDA, FL 33983-3519
Document Number	0044121073
Book / Page	4412 / 1073
Map Reference	MB 3 PG 79A&79B
Instrument Date	Feb 28, 2019
Instrument	2689017
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$909.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14953 SNOWY PINE PT, 14953, COLORADO SPRINGS, CO 80908-1593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3315 DOVER DR, PUNTA GORDA, FL 33983-3519

Mortgage

Document Number	0002689020
Date	Mar 5, 2019
Instrument	2689020

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3315 Dover Dr was $2,780, up 34.4% 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	$2,780.00 (+34.36%)	$184,302 Land $17,850 Building $166,452	$184,302 Land $17,850 Building $166,452
2024	$2,069.00 (+7.04%)
2023	$1,933.00 (+4.77%) Homeowner's exemption	$79,884 (-16.57%)	$62,118 (-48.3%) Land $20,000 Building $42,118
2022	$1,845.00 Homeowner's exemption	$95,751	$120,144 Land $17,000 Building $103,144

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3315 Dover Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 375 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	375 in force
Nearby Flood Claims	161 (1982–2025)
Claims Outside the SFHA	7 of 161
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 74 claims Hurricane Helene, Sep 2024 · 32 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 19 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 3315 Dover Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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 HARBOR WATER ASSN. private · serves 4,722 people · EPA ID FL6080044
Water Source	Purchased surface water from CHARLOTTE COUNTY UTILITIES
Last State Inspection	May 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 212 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
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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