3498 Dunkirk St, Punta Gorda, FL 33980 Property Records

Charlotte County property record for 3498 Dunkirk St, Punta Gorda, FL 33980

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,530 sqft · built 2021
Lot Size	0.269 acres (11,698 sqft)
Owner	2 Individual Names on File
Last Sale	$299,900 (Jul 2021)
Tax Bill	$4,157 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`402224483005`

Property Details

APN / Parcel Number

Primary APN	`402224483005`
Alternative APNs	`00116490000004` `10004596434`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,530 sqft Living Area
Gross Area	2,547 sqft
1st Floor Area	1,530 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Masonry/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	11,698 sqft (0.269 acres)
Lot Dimensions	125 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	483 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00116490000004
Street Address	3498 DUNKIRK ST
City	PUNTA GORDA
State	FL
Zip	33980-8748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PORT CHARLOTTE SEC13 BLK1361 LT5 245/240 DC624/1482 510/124 576/1500 1315/1485 2485/982 4531/194 4798/44
Legal Range	22E
Legal Township	40S
Legal Section	24
Legal Subdivision	PORT CHARLOTTE
Legal Tract	PCH
Legal Block	1361
Legal Lot Number	5
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	2
Census Block	2077
Census Tract	20900

Owner

3498 Dunkirk St is owned and occupied by two individuals who bought it in July 2021.

Source: Charlotte County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3498 DUNKIRK ST, PUNTA GORDA, FL 33980-8748
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
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage SANIBEL CAPTIVA COMMUNITY BANK
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage TODAY'S MORTGAGE INC
Jan 28, 2020	Deed of Trust, Construction Loan · Line of Credit NORTHPOINTE BK
Jan 23, 2020	Warranty Deed, Transfer BURNT STORE TITLE AND ESCROW LLC, BURNT STORE TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on File
Deed Sale	Jul 2, 2021 · Amount on File
Prior Sale	Jan 23, 2020 · Amount on File
Deed Document Number	20212967425
Deed Book / Page	4798 / 44
Prior Transfer Date	Jan 27, 2020
Prior Transfer Doc	0045320712
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	23484 GEMSTONE AVE, PORT CHARLOTTE, FL 33980
Transaction Type	Mortgage
Record Updated	Feb 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13484 GEMSTONE AVENUE, PORT CHARLOTTE, FL 33980

Mortgage

Document Number	0047760499
Date	May 28, 2021
Book Page	4776/499
Instrument	2952108

Lender

Name	SANIBEL CAPTIVA COMMUNITY BANK
Type	Bank
Address	SANIBEL, FL 33957

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 2, 2021
Property Address	23484 GEMSTONE AVE, PORT CHARLOTTE, FL 33980
Document Number	0047980044
Book / Page	4798 / 44
Map Reference	MB 5 PG 2A-2G
Instrument Date	Jun 14, 2021
Instrument	2967425
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,099.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26303 LANCER LN, 26303, PORT CHARLOTTE, FL 33983-8670

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3498 DUNKIRK ST, PORT CHARLOTTE, FL 33980-8748

Mortgage

Document Number	479846
Date	Jul 2, 2021
Instrument	4798/46

Lender

Name	TODAY'S MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 28, 2020
Property Address	23484 GEMSTONE AVE, PORT CHARLOTTE, FL 33980
Document Number	0045321256
Book / Page	004532 / 001256
Instrument Date	Jan 22, 2020
Instrument	2781164
Transaction Type	Construction Loan
Record Updated	Feb 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26303 LANCER LN PUNTA GORDA FL 339838670, PUNTA GORDA, FL 33983-8670

Mortgage

Document Number	45321256
Date	Jan 28, 2020
Book Page	004532/001256
Instrument	2781164

Lender

Name	NORTHPOINTE BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 23, 2020
Property Address	23484 GEMSTONE AVE, PORT CHARLOTTE, FL 33980
Document Number	0045310194
Book / Page	004531 / 000194
Instrument Date	Jan 14, 2020
Instrument	2780044
Transaction Type	Transfer
Record Updated	Feb 17, 2020
Title Company	BURNT STORE TITLE AND ESCROW LLC, BURNT STORE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Tax	$55.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26303 LANCER LN PORT CHARLOTTE FL 339838670, PORT CHARLOTTE, FL 33983-8670

Tax Assessment & Valuation

The 2025 property tax bill for 3498 Dunkirk St was $4,157 with a homeowner's exemption, up 2.5% from the year before.

Source: Charlotte County assessment roll, as of March 4, 2026

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	$4,157.00 (+2.54%) Homeowner's exemption	$264,401	$294,389 Land $16,575 Building $277,814
2024	$4,054.00 (+0.67%)
2023	$4,027.00 (+3.44%) Homeowner's exemption	$249,465 (+3%)	$312,573 (+29.06%) Land $17,000 Building $295,573
2022	$3,893.00 Homeowner's exemption	$242,199 Land $11,900 Building $230,299	$242,199 Land $11,900 Building $230,299

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

Flood

FEMA maps place 3498 Dunkirk 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 194 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	35 (1992–2023)
Claims Outside the SFHA	4 of 35
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 9 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 3498 Dunkirk St is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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	CHARLOTTE COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 136 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 · Fiber in parts of the area	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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