Charlotte County property record for 44108 Kelsa Anne Loop, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,737 sqft · built 2024 |
| Lot Size | 0.165 acres (7,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $529,600 (Apr 2024) |
| Tax Bill | $4,660 (2025) |
| Deeds & Mortgages | Jul 2023 Construction Loan Apr 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-26-21-200-230 |
| Primary APN | 42-26-21-200-230 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,737 sqft Living Area |
| Gross Area | 3,378 sqft |
| Flooring | Covered |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Composition/Composite |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 7,227 sqft (0.165 acres) |
| View / Lot | Water |
| Driveway | Driveway |
| Driveway Area | 320 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Heating System | Forced Air |
|---|
| Street Address | 44108 KELSA ANNE LOOP |
|---|---|
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-6169 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOZD |
| Legal Description | CV2 001 0000 6062 BABCOCK RANCH COMMUNITY VILLAGE II PHASE 1 LOT 6062 3286305 3399173 |
| Legal Subdivision | BABCOCK RANCH |
| Legal Phase | 1 |
| Legal Lot Number | 6062 |
| Legal Unit | Y |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 10100 |
44108 Kelsa Anne Loop is owned and occupied by two individuals who bought it in April 2024.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 44108 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6169 |
| 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.
| Date | Document |
|---|---|
| Jul 5, 2023 | Deed of Trust, Mortgage · Construction Mortgage FIFTH THIRD BANK NA |
| Apr 29, 2024 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2024 · Amount on File |
| Deed Sale | Apr 29, 2024 · Amount on File |
| Deed Document Number | 3399173 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 44108 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6169 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2700 PATRIOT BLVD 430, 430, GLENVIEW, IL 60026-8078 |
| Document Number | 0003286306 |
|---|---|
| Date | Jul 5, 2023 |
| Instrument | 3286306 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | ELLICOTT CITY, MD 21042 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Aug 1, 2024 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 29, 2024 |
| Property Address | 44108 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6169 |
| Document Number | 0003399173 |
| Map Reference | MB 26 PG 13A-13Q |
| Instrument Date | Apr 24, 2024 |
| Instrument | 3399173 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,707.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16990 TELEGRAPH ST, PUNTA GORDA, FL 33982 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 44108 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6169 |
| Document Number | 0003399174 |
|---|---|
| Date | Apr 29, 2024 |
| Instrument | 3399174 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
The 2025 property tax bill for 44108 Kelsa Anne Loop was $4,660 with a homeowner's exemption.
Source: Charlotte County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,660.00 Homeowner's exemption | $351,839 | $518,184 Land $99,500 Building $418,684 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44108 Kelsa Anne Loop in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1995.
Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 518 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 870 units insured incl. 352 condo units |
| Nearby Flood Claims | 11 (1995–2024) |
| Claims Outside the SFHA | 4 of 11 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 44108 Kelsa Anne Loop is high, ranking above 86% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 86% of the US · above 78% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN AND COUNTRY UTILITY private · serves 13,427 people · EPA ID FL5084116 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 940 / 940 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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