5158 Shell Mound Cir, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 5158 Shell Mound Cir, Punta Gorda, FL 33982

Property Summary

Property Type	Cluster Home
Details	3 bd · 3 ba · 1,800 sqft · built 2007
Lot Size	0.055 acres (2,410 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Jul 2019)
Tax Bill	$1,871 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`40-23-34-432-002`

Property Details

APN / Parcel Number

Primary APN	`40-23-34-432-002`
Alternative APNs	`0071394-015400-8` `10004624890`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
Gross Area	2,364 sqft
Flooring	Covered

Exterior

Year Built	Built 2007
Architectural Style	Other
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	2,410 sqft (0.055 acres)
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004624890
Old Parcel Number	00713940154008
Street Address	5158 SHELL MOUND CIR
City	PUNTA GORDA
State	FL
Zip	33982-4812
Property Category	Residential
Property Type	Residential > Single Family > Cluster Home
Local Zoning Code	RMF12
Legal Description	CAL 001 0000 0246 CALUSA CREEK SEC1 LT 246 3283/946 4214/1013 4455/1531 L/E3475811
Legal Range	23E
Legal Township	40S
Legal Section	34
Legal Subdivision	CALUSA CREEK
Legal Lot Number	246
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	4
Census Block	4042
Census Tract	10200

Owner

5158 Shell Mound Cir, a cluster home, is owned and occupied by two individuals who acquired it in December 2024.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Co-owner	2 Co-owners on File
Mailing Address	5158 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4812
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 1, 2019	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jun 29, 2017	Warranty Deed, Transfer · Conventional with PMI SUNTRUST MTG

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Jul 1, 2019 · Amount on File
Deed Sale	Jul 1, 2019 · Amount on File
Prior Sale	Jul 1, 2019 · Amount on File
Deed Document Number	0044551531
Deed Book / Page	4455 / 1531
Last Transfer Date	Dec 12, 2024
Transfer Doc	0003475811
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	5158 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4812
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5158 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4812

Mortgage

Document Number	0047240928
Date	Mar 11, 2021
Book Page	4724/928
Instrument	2914844

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	343 Months
Due	Oct 1, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 1, 2019
Property Address	5158 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4812
Document Number	0044551531
Book / Page	4455 / 1531
Map Reference	MB 20 PG 16A-16F
Instrument Date	Jun 28, 2019
Instrument	2722784
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3782 TILBOR CIR, 3782, FORT MYERS, FL 33916-8037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5158 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4812

Mortgage

Document Number	0044551533
Date	Jul 1, 2019
Instrument	4455/1533

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 29, 2017
Property Address	5158 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4812
Document Number	0042141013
Book / Page	004214 / 001013
Instrument Date	Jun 29, 2017
Instrument	2534960
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
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	5158 SHELL MOUND CIR PUNTA GORDA FL 339824812, PUNTA GORDA, FL 33982-4812

Mortgage

Document Number	42141015
Date	Jun 29, 2017
Book Page	004214/001015
Instrument	2534961

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	901 SEMMES AVE, RICHMOND, VA 23224-2270

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5158 Shell Mound Cir was $1,871 with a homeowner's exemption.

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	$1,871.00 Homeowner's exemption	$164,081	$215,114 Land $29,000 Building $186,114
2023	$2,034.00 (-9.84%) Homeowner's exemption	$134,365 (-10.6%)	$221,251 (+34.35%) Land $27,400 Building $193,851
2022	$2,256.00 Homeowner's exemption	$150,304	$164,681 Land $17,340 Building $147,341

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

Flood

FEMA maps place 5158 Shell Mound Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 39 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	69 units insured incl. 30 condo units
Nearby Flood Claims	6 (2010–2022)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	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

Wildfire risk around 5158 Shell Mound Cir is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	CITY OF PUNTA GORDA serves 36,302 people · EPA ID FL6080051
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 170 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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