470 Kettle Harbor Dr, Placida, FL 33946 Property Records

Charlotte County property record for 470 Kettle Harbor Dr, Placida, FL 33946

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,364 sqft · built 2006
Lot Size	0.247 acres (10,800 sqft)
Owner	Company on Record
Last Sale	$1,950,000 (Nov 2021)
Tax Bill	$26,716 (2025)
Deeds & Mortgages	Nov 2021 Sale & Line of Credit Sep 2017 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`41-20-33-427-008`

Property Details

APN / Parcel Number

Primary APN	`41-20-33-427-008`
Alternative APNs	`0088357-003700-1` `10004660388`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,364 sqft Living Area
Gross Area	4,580 sqft
Flooring	Covered
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2006
Architectural Style	Other
Exterior Material	Siding
Construction Type	Wood
Foundation Type	Pile
Roof Material	Metal
Lot Area	10,800 sqft (0.247 acres)
Lot Dimensions	135 ft deep x 80 ft wide

Exterior Amenities

Pool Area	72 sqft
Porch	Porch
Porch Area	498 sqft
Deck Area	143 sqft
Patio Area	468 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004660388
Old Parcel Number	00883570037001
Street Address	470 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 0057 PALM ISLAND ESTATES UN-4 BLK E LT 57 522/975 1744/1008 2391/467 RES2813/1261 CT3544/181 3565
Legal Range	20E
Legal Township	41S
Legal Section	33
Legal Subdivision	PALM ISLAND ESTATES
Legal Block	E
Legal Lot Number	57
Jurisdiction	CHARLOTTE FL
Township / Civil Division	GROVE CITY-ROTONDA
Census Block Group	2
Census Block	2032
Census Tract	30402

Owner

Source: Charlotte County assessment roll, as of July 1, 2025

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

Owner of Record	Company on Record
Mailing Address	331 W CENTRAL AVE STE 238, 238, WINTER HAVEN, FL 33880-2982
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Warranty Deed, Transfer · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATI
Sep 29, 2017	Deed of Trust, Mortgage · ARM FIFTH THIRD MORTGAGE CO
Jan 25, 2017	Warranty Deed, Transfer DAVID C & KATHRYN E MCPHILLIPS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2021 · Amount on Record
Deed Sale	Nov 15, 2021 · Amount on Record
Prior Sale	Jan 25, 2017 · Amount on Record
Deed Document Number	3022477
Deed Book / Page	4876 / 1156
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 15, 2021
Property Address	470 KETTLE HARBOR DR, PLACIDA, FL 33946
Document Number	0048761156
Book / Page	4876 / 1156
Map Reference	MB 4 PG 13A-13E
Instrument Date	Nov 12, 2021
Instrument	3022477
Transaction Type	Transfer
Record Updated	Dec 8, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	470 KETTLE HARBOR DRIVE, 470, BOCA RATON, FL 33496

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 W CENTRAL AVE STE 238, 238, WINTER HAVEN, FL 33880-2982

Mortgage

Document Number	48761158
Date	Nov 15, 2021
Instrument	4876/1158

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	470 KETTLE HARBOR DR, PLACIDA, FL 33946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OMEGA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042410455
Date	Sep 29, 2017
Book Page	4241/0455
Instrument	2555132

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.94%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.94%
Index	1-Year LIBOR
Max Rate	7.94%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 25, 2017
Property Address	470 KETTLE HARBOR DR, PLACIDA, FL 33946
Document Number	0041620236
Book / Page	004162 / 000236
Instrument Date	Jan 25, 2017
Instrument	2495316
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	OMEGA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,630.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 3492 PLACIDA FL 339463492, PLACIDA, FL 33946-3492

Mortgage

Document Number	41620238
Date	Jan 25, 2017
Book Page	004162/000238
Instrument	2495317

Lender

Name	DAVID C & KATHRYN E MCPHILLIPS
Address	4907 BAYSHORE BLVD # 120, TAMPA, FL 33611-3875
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

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	$26,716.00 (-12.7%)	$1,615,873 (+1.33%)	$1,367,065 (-2.33%) Land $171,360 Building $1,195,705
2023	$30,601.00 (+15.67%)	$1,594,588 (+1%)	$1,399,633 (-3.45%) Land $171,360 Building $1,228,273
2022	$26,456.00	$1,449,625 Land $120,686 Building $1,328,939	$1,449,625 Land $120,686 Building $1,328,939

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

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P21 “Bocilla Island”
Unit Type	System Unit
Designated	Nov 16, 1990
NFIP Eligibility	Not eligible (built 2006) built after the Nov 16, 1990 cutoff · private flood insurance only

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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