5222 Shell Mound Cir, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 5222 Shell Mound Cir, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,622 sqft · built 2020
Lot Size	0.107 acres (4,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$209,060 (May 2020)
Tax Bill	$2,408 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Nov 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`40-23-34-435-026`

Property Details

APN / Parcel Number

Primary APN	`40-23-34-435-026`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,622 sqft Living Area
Gross Area	2,239 sqft
Flooring	Covered

Exterior

Year Built	Built 2020
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	4,682 sqft (0.107 acres)
Driveway	Driveway
Driveway Area	320 sqft
Parking Spaces	1 Parking Space
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	5222 SHELL MOUND CIR
City	PUNTA GORDA
State	FL
Zip	33982-4813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF12
Legal Description	CAL 00B 0000 0026 CALUSA CREEK SECB BLK0000 LT0026 CALUSA CREEK PHASE B LOT 26 ( 4682.78SF ) 4570/933
Legal Subdivision	CALUSA CREEK
Legal Phase	B
Legal Lot Number	26
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	4
Census Block	4042
Census Tract	10200

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	2 Individual Names on Record
Mailing Address	5222 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Nov 3, 2021	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Deed Document Number	2808271
Deed Book / Page	4570 / 933
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	5222 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4813
Transaction Type	Mortgage
Record Updated	Jul 17, 2023
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3087 N ALAFAYA TRL, ORLANDO, FL 32826-3205

Mortgage

Document Number	0003284202
Date	Jun 28, 2023
Instrument	3284202

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 27, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	5222 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4813
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5222 SHELL MOUND CIR, PUNTA GORDA, FL 33982-4813

Mortgage

Document Number	0048692030
Date	Nov 3, 2021
Book Page	4869/2030
Instrument	3017832

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

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	$2,408.00 (-16.62%) Homeowner's exemption	$199,650 (+5.99%)	$309,418 (+3.47%) Land $36,401 Building $273,017
2023	$2,888.00 (+4.03%) Homeowner's exemption	$188,372 (+3%)	$299,046 (+25.13%) Land $33,401 Building $265,645
2022	$2,776.00 Homeowner's exemption	$182,885	$238,987 Land $22,441 Building $216,546

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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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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