3401 Ames St, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 3401 Ames St, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,820 sqft · built 1984
Lot Size	0.44 acres (19,200 sqft)
Owner	Individual Name on File
Last Sale	$229,900 (May 2019)
Tax Bill	$271 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`41-23-18-403-022`

Property Details

APN / Parcel Number

Primary APN	`41-23-18-403-022`
Alternative APNs	`0075668-000000-5` `10004706368`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	2,904 sqft
Flooring	Plywood

Exterior

Year Built	Built 1984
Architectural Style	Other
Exterior Material	Shingles
Construction Type	Wood Frame
Foundation Type	Pile
Roof Material	Shingle
Lot Area	19,200 sqft (0.44 acres)
Lot Dimensions	120 ft deep x 160 ft wide
Garage Type	Attached
Garage Area	792 sqft
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	292 sqft
Deck Area	60 sqft
Patio Area	60 sqft
Shed	1 Shed
Shed Area	168 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004706368
Old Parcel Number	00756680000005
Street Address	3401 AMES ST
City	PUNTA GORDA
State	FL
Zip	33950-7169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	AQE 002 000E 0009 AQUI ESTA UN 2 BLK E LT 9 566/1201 664/864 752/877 1676/1126 4027/307 4440/644 AQE 002 000E
Legal Range	23E
Legal Township	41S
Legal Section	18
Legal Subdivision	AQUI ESTATE UNIT 01
Legal Block	E
Legal Lot Number	9 22
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	3
Census Block	3001
Census Tract	10301

Owner

3401 Ames St is owned and occupied by an individual who bought it in May 2019.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3401 AMES ST, PUNTA GORDA, FL 33950-7169
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
Feb 24, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Feb 19, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
May 20, 2019	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Prior Sale	Nov 9, 2015 · Amount on File
Deed Document Number	2711114
Deed Book / Page	4440 / 0644
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	3401 AMES ST, PUNTA GORDA, FL 33950-7169
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 AMES ST, PUNTA GORDA, FL 33950-7169

Mortgage

Document Number	0003225332
Date	Feb 24, 2023
Instrument	3225332

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	May 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	3401 AMES ST, PUNTA GORDA, FL 33950-7169
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 AMES ST, PUNTA GORDA, FL 33950-7169

Mortgage

Document Number	0047541472
Date	Apr 27, 2021
Book Page	4754/1472
Instrument	2936390

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	3401 AMES ST, PUNTA GORDA, FL 33950-7169
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045401999
Date	Feb 19, 2020
Book Page	4540/1999
Instrument	2787512

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 20, 2019
Property Address	3401 AMES ST, PUNTA GORDA, FL 33950-7169
Document Number	0044400644
Book / Page	4440 / 0644
Map Reference	MB 3 PG 49A-49C
Instrument Date	May 17, 2019
Instrument	2711114
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,609.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9191 ALAN BLVD, 9191, PUNTA GORDA, FL 33982-2326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 AMES ST, PUNTA GORDA, FL 33950-7169

Mortgage

Document Number	0004440646
Date	May 20, 2019
Instrument	4440/646

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3401 Ames St was $271 with a homeowner's exemption.

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	$271.00 Homeowner's exemption	$43,008	$191,488 Land $47,520 Building $143,968
2023	$3,365.00 (+3.83%) Homeowner's exemption	$184,882 (+3%)	$197,604 (-10.62%) Land $47,520 Building $150,084
2022	$3,241.00 Homeowner's exemption	$179,497	$221,091 Land $38,372 Building $182,719

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3401 Ames St 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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 345 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	345 in force
Nearby Flood Claims	289 (1982–2025)
Most Recent Claim	Oct 2025
Claims by Event	Hurricane Milton, Oct 2024 · 101 claims Hurricane Helene, Sep 2024 · 106 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 31 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 3401 Ames St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 407 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, Ripple Fiber.

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