440 Spaniards Rd, Placida, FL 33946 Property Records

Charlotte County property record for 440 Spaniards Rd, Placida, FL 33946 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,215 sqft · built 2024
Lot Size	0.497 acres (21,680 sqft)
Owner	Individual Name on File
Last Sale	$56,000 (Jan 2021)
Tax Bill	$4,667 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jan 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`42-20-02-306-009`

Property Details

APN / Parcel Number

Primary APN	`42-20-02-306-009`
Alternative APNs	`0076658-000400-5` `10004715785`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,215 sqft Living Area
Gross Area	3,257 sqft
Flooring	Covered

Exterior

Year Built	Built 2024
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	21,680 sqft (0.497 acres)
Driveway	Driveway
Driveway Area	1,426 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	10004715785
Old Parcel Number	00766580004005
Street Address	440 SPANIARDS RD
City	PLACIDA
State	FL
Zip	33946-2210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHS 000 000K 0025 CAPE HAZE BLK K LT25 2920/1376 3121/1706 4368/315 4688/901
Legal Range	20E
Legal Township	42S
Legal Section	02
Legal Subdivision	CAPE HAZE
Legal Block	K
Legal Lot Number	25
Jurisdiction	CHARLOTTE FL
Township / Civil Division	GROVE CITY-ROTONDA
Census Block Group	2
Census Block	2011
Census Tract	30402

Owner

Source: Charlotte County records · APN 42-20-02-306-009

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 232, PLACIDA, FL 33946-0232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage DRUMMOND COMMUNITY BANK
Jan 06, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 12, 2018	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 06, 2021 · Amount on Record
Deed Sale	Jan 06, 2021 · Amount on Record
Prior Sale	Oct 12, 2018 · Amount on Record
Deed Document Number	2890039
Deed Book / Page	4688 / 901
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	440 SPANIARDS RD, PLACIDA, FL 33946-2210
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050490812
Date	Sep 16, 2022
Book Page	5049/812
Instrument	3151675

Lender

Name	DRUMMOND COMMUNITY BANK
Type	Bank
Address	CHIEFLAND, FL 32626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Oct 01, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10%
Index	1-Year CMT
Max Rate	10%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 06, 2021
Property Address	440 SPANIARDS RD, PLACIDA, FL 33946-2210
Document Number	0046880901
Book / Page	4688 / 901
Map Reference	MB 2 PG 93
Instrument Date	Dec 28, 2020
Instrument	2890039
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$392.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2125 KENTUCKY AVE, ENGLEWOOD, FL 34224-5600

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 232, PLACIDA, FL 33946-0232

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 12, 2018
Property Address	440 SPANIARDS RD, PLACIDA, FL 33946-2210
Document Number	0043680315
Book / Page	004368 / 000315
Instrument Date	Oct 11, 2018
Instrument	2653152
Transaction Type	Transfer
Record Updated	Oct 30, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$332.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	815 EMMA RD KENNA WV 252487639, KENNA, WV 25248-7639

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,667.00 (+217.7%) Homeowner's exemption Disabled Person's exemption	$350,561 (+519.72%)	$594,642 (+455.74%) Land $107,000 Building $487,642
2023	$1,469.00 (+10.2%)	$56,568 (-29.95%)	$107,000 (+32.51%) Land $107,000
2022	$1,333.00	$80,750 Land $80,750	$80,750 Land $80,750

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charlotte County (12015C), updated September 28, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 730 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

440 Spaniards Rd, Placida, FL 33946 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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