522 Philodendron, Punta Gorda, FL 33955 Property Records

Charlotte County property record for 522 Philodendron, Punta Gorda, FL 33955

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,221 sqft · built 2004
Lot Size	0.22 acres (9,599 sqft)
Owner	Individual Name on Record
Last Sale	$329,000 (Aug 2004)
Tax Bill	$3,176 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`412333177008`

Property Details

APN / Parcel Number

Primary APN	`412333177008`
Alternative APNs	`00952620215905` `10004712448`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,221 sqft Living Area
Gross Area	2,945 sqft
1st Floor Area	2,221 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,599 sqft (0.22 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Enclosed/Screened Porch
Porch Area	324 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952620215905
Street Address	522 PHILODENDRON
City	PUNTA GORDA
State	FL
Zip	33955-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC18 BLK406 LT9 0675/0400 1005-558 1048-129 2113/598 2525/1184 3468/381
Legal Range	23E
Legal Township	41S
Legal Section	33
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	406
Legal Lot Number	9
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2016
Census Tract	10505

Owner

Source: Charlotte County records, as of January 9, 2026

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
Mailing Address	522 PHILODENDRON, PUNTA GORDA, FL 33955-1046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2004 · Amount on Record
Deed Sale	Aug 4, 2004 · Amount on Record
Deed Document Number	20041240880
Deed Book / Page	2525 / 1184
Last Transfer Date	Mar 25, 2010
Transfer Doc	0034680381
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	522 PHILODENDRON, PUNTA GORDA, FL 33955-1046
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 THILODENDRON ST, PUNTA GORDA, FL 33955

Mortgage

Document Number	0047831422
Date	Jun 11, 2021
Book Page	4783/1422
Instrument	2957530

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	522 PHILODENDRON, PUNTA GORDA, FL 33955-1046
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042591244
Date	Dec 1, 2017
Book Page	4259/1244
Instrument	2569019

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2037

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Municipality	Punta Gorda City
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,176.00 (+2.52%) Homeowner's exemption	$232,136 (+5.99%)	$399,386 (+4.63%) Land $46,750 Building $352,636
2024	$3,098.00 (+1.87%)
2023	$3,041.00 (+3.05%) Homeowner's exemption	$219,023 (+3%)	$381,714 (+8.28%) Land $57,000 Building $324,714
2022	$2,951.00 Homeowner's exemption	$212,644	$352,521 Land $46,750 Building $305,771

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 269 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	269 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 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	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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