450 Kettle Harbor Dr, Placida, FL 33946 Property Records

Charlotte County property record for 450 Kettle Harbor Dr, Placida, FL 33946

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,784 sqft · built 1988
Lot Size	0.495 acres (21,600 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (May 2019)
Tax Bill	$12,578 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`41-20-33-427-006`

Property Details

APN / Parcel Number

Primary APN	`41-20-33-427-006`
Alternative APNs	`0088357-003500-3` `10004660386`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,784 sqft Living Area
Gross Area	2,770 sqft

Exterior

Year Built	Built 1988
Architectural Style	Other
Exterior Material	Shingles
Construction Type	Wood
Foundation Type	Pile
Roof Material	Shingle
Lot Area	21,600 sqft (0.495 acres)
Lot Dimensions	135 ft deep x 160 ft wide

Exterior Amenities

Pool Area	28 sqft
Porch	Porch
Porch Area	634 sqft
Deck Area	130 sqft
Patio Area	984 sqft
Fence	Fence
Loading Dock	352 sqft
Lawn Sprinklers	Lawn Sprinklers
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004660386
Old Parcel Number	00883570035003
Street Address	450 KETTLE HARBOR DR
City	PLACIDA
State	FL
Zip	33946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BBI
Legal Description	PIE 004 000E 0054 PALM ISLAND ESTATES UN 4 BLK E LT 54 666/1840 941/2191-92 962-506 1035-1110 4188/774 4441/9
Legal Range	20E
Legal Township	41S
Legal Section	33
Legal Subdivision	PALM ISLAND ESTATES
Legal Block	E
Legal Lot Number	54 55
Jurisdiction	CHARLOTTE FL
Township / Civil Division	GROVE CITY-ROTONDA
Census Block Group	2
Census Block	2032
Census Tract	30402

Owner

Source: Charlotte County records, as of December 10, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2802 WEDGEWOOD DR, PLANT CITY, FL 33566-0925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 23, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 9, 2017	Warranty Deed, Transfer · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2019 · Amount on Record
Deed Sale	May 23, 2019 · Amount on Record
Prior Sale	Feb 9, 2017 · Amount on Record
Deed Document Number	2712141
Deed Book / Page	4441 / 0999
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	450 KETTLE HARBOR DR, PLACIDA, FL 33946
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	BURNT STORE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 KETTLE HARBOR DR, PLACIDA, FL 33946

Mortgage

Document Number	0046801734
Date	Dec 21, 2020
Book Page	4680/1734
Instrument	2885286

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 23, 2019
Property Address	450 KETTLE HARBOR DR, PLACIDA, FL 33946
Document Number	0044410999
Book / Page	4441 / 0999
Map Reference	MB 4 PG 13A-13E
Instrument Date	May 15, 2019
Instrument	2712141
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MSC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 THOMAS GREEN BLVD, 409, CLEMSON, SC 29631-2157

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2808 DAN KENDRICK RD, PLANT CITY, FL 33565-4610

Mortgage

Document Number	0044411001
Date	May 23, 2019
Instrument	4441/1001

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 9, 2017
Property Address	450 KETTLE HARBOR DR, PLACIDA, FL 33946
Document Number	0041661402
Book / Page	004166 / 001402
Instrument Date	Feb 3, 2017
Instrument	2498919
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	MSC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,725.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 946 PLACIDA FL 339460946, PLACIDA, FL 33946-0946

Mortgage

Document Number	41661404
Date	Feb 9, 2017
Book Page	004166/001404
Instrument	2498920

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2047

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 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	$12,578.00 (-10.69%) Homeowner's exemption	$801,728 (+5.99%)	$1,081,754 (-0.42%) Land $705,024 Building $376,730
2023	$14,083.00 (+4.14%) Homeowner's exemption	$756,440 (+3%)	$1,086,363 (+3.27%) Land $705,024 Building $381,339
2022	$13,523.00 Homeowner's exemption	$734,408	$1,051,918 Land $499,392 Building $552,526

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

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 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 Record median of 677 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,446 units insured incl. 769 condo units
Nearby Flood Claims	679 (1982–2025)
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 377 claims Hurricane Helene, Oct 2024 · 156 claims Hurricane Ian, Sep 2022 · 39 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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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	BOCILLA UTILITIES, INC. public/private · serves 1,068 people · EPA ID FL6084079
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	3 ppb (2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 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

May also be available: CenturyLink, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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