44766 Kelsa Anne Loop, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 44766 Kelsa Anne Loop, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,113 sqft · built 2024
Lot Size	0.192 acres (8,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$615,000 (Jun 2026)
Tax Bill	$7,034 (2025)
Deeds & Mortgages	Jul 2023 Construction Loan Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422621200226`

Property Details

APN / Parcel Number

Primary APN	`422621200226`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,113 sqft Living Area
Gross Area	4,195 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,362 sqft (0.192 acres)
Garage Type	Attached
Garage Area	754 sqft
Driveway	Driveway
Driveway Area	720 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	44766 KELSA ANNE LOOP
City	PUNTA GORDA
State	FL
Zip	33982-6171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOZD
Legal Description	BABCOCK RANCH COMMUNITY VILLAGE II PHASE 1 LOT 6058 3286305 3422517
Legal Subdivision	BABCOCK RANCH COMMUNITY VILLAGE II PHASE
Legal Lot Number	6058
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1064
Census Tract	10100

Owner

Source: Charlotte County records, as of June 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	44766 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6171
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Construction Mortgage FIFTH THIRD BANK NA
Jun 2, 2026	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Jun 28, 2024	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2026 · Amount on Record
Deed Sale	Jun 2, 2026 · Amount on Record
Prior Sale	Jun 28, 2024 · Amount on Record
Deed Document Number	20263650145
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	44766 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6171
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003286306
Date	Jul 5, 2023
Instrument	3286306

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	ELLICOTT CITY, MD 21042

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2024

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 2, 2026
Property Address	44766 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6171
Document Number	0003650145
Instrument Date	May 29, 2026
Instrument	20263650145
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$434,805.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44766 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6171

Mortgage

Document Number	0003650146,
Date	Jun 2, 2026
Instrument	20263650146

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 28, 2024
Property Address	44766 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6171
Document Number	0003422517
Map Reference	MB 26 PG 13A-13Q
Instrument Date	Jun 26, 2024
Instrument	3422517
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 11, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,541.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16990 TELEGRAPH ST, BABCOCK RANCH, FL 33982

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44766 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6171

Mortgage

Document Number	0003422518
Date	Jun 28, 2024
Instrument	3422518

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

Tax Assessment & Valuation

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	$7,034.00	$284,882	$539,164 Land $70,125 Building $469,039

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Milton, Oct 2024 · 3 claims Hurricane Irma, Sep 2017 · 4 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

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

Wildfire Risk	High above 88% of the US · above 81% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 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: Hotwire Communications.

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