Charlotte County property record for 44820 Kelsa Anne Loop, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,359 sqft · built 2024 |
| Lot Size | 0.184 acres (7,993 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $545,000 (Apr 2026) |
| Tax Bill | $5,577 (2025) |
| Deeds & Mortgages | Jul 2023 Construction Loan Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422621200217 |
| Primary APN | 422621200217 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,359 sqft Living Area |
| Gross Area | 3,222 sqft |
| 1st Floor Area | 2,359 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 7,993 sqft (0.184 acres) |
| Garage Type | Attached |
| Garage Area | 602 sqft |
| Driveway | Driveway |
| Driveway Area | 902 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 44820 KELSA ANNE LOOP |
|---|---|
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-6170 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOZD |
| Legal Description | BABCOCK RANCH COMMUNITY VILLAGE II PHASE 1 LOT 6049 3286305 3431132 |
| Legal Subdivision | BABCOCK RANCH COMMUNITY VILLAGE II PHASE |
| Legal Lot Number | 6049 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 10100 |
Source: Charlotte County records, as of April 16, 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 | 44820 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6170 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 5, 2023 | Deed of Trust, Mortgage · Construction Mortgage FIFTH THIRD BANK NA |
| Apr 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC |
| Jul 24, 2024 | Special Warranty Deed, Subdivision Related Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2026 · Amount on Record |
| Deed Sale | Apr 1, 2026 · Amount on Record |
| Prior Sale | Jul 24, 2024 · Amount on Record |
| Deed Document Number | 20263628875 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 44820 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6170 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2026 |
| Name | Verified Name |
|---|
| 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 Recorded |
| Term | 13 Months |
| Due | Aug 1, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 1, 2026 |
| Property Address | 44820 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6170 |
| Document Number | 0003628875 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 20263628875 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2026 |
| Title Company | MTI TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385,315.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44820 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6170 |
| Document Number | 0003628876, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 20263628876 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jul 24, 2024 |
| Property Address | 44820 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6170 |
| Document Number | 0003431132 |
| Map Reference | MB 26 PG 13A-13Q |
| Instrument Date | Jul 19, 2024 |
| Instrument | 3431132 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,773.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16990 TELEGRAPH ST, BABCOCK RANCH, FL 33982 |
| Name | Verified Name |
|---|---|
| Address | 44820 KELSA ANNE LOOP, PUNTA GORDA, FL 33982-6170 |
Source: Charlotte County assessment roll, as of March 4, 2026
| 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 | $5,577.00 (+32.69%) Homeowner's exemption | $413,201 Land $70,125 Building $343,076 | $413,201 Land $70,125 Building $343,076 |
| 2024 | $4,203.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 90% of the US · above 84% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 940 / 940 |
| Verizon Fixed Wireless | 300 / 20 |
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