541 Philodendron, Punta Gorda, FL 33955 Property Records

Charlotte County property record for 541 Philodendron, Punta Gorda, FL 33955

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,788 sqft · built 1993
Lot Size	0.22 acres (9,597 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Apr 2016)
Tax Bill	$3,019 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`412333179004`

Property Details

APN / Parcel Number

Primary APN	`412333179004`
Alternative APNs	`00952620217100` `10004712460`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	2,434 sqft
1st Floor Area	1,788 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	9,597 sqft (0.22 acres)
Garage Type	Attached
Garage Area	442 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Pool Area	288 sqft
Porch	Slab
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952620217100
Street Address	541 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 LT21 660/1950-1951 682/1316 CT993-1130 DC1082/757 PR90-314 1118/518 1232/1688 1243/1964 1628/2163 1838/231 2432/404 4071/47 4828/184
Legal Range	23E
Legal Township	41S
Legal Section	33
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	406
Legal Lot Number	21
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2016
Census Tract	10505

Owner

541 Philodendron is owned and occupied by two individuals who bought it in April 2016.

Source: Charlotte County records, as of November 19, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	541 PHILODENDRON, PUNTA GORDA, FL 33955-1046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2024	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2016 · Amount on File
Deed Sale	Apr 12, 2016 · Amount on File
Prior Sale	Nov 9, 2000 · Amount on File
Deed Document Number	20162428651
Deed Book / Page	4071 / 47
Prior Transfer Date	Apr 11, 2016
Prior Transfer Doc	0040710047
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	541 PHILODENDRON, PUNTA GORDA, FL 33955-1046
Transaction Type	Mortgage
Record Updated	Apr 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 PHILODENDRON, PUNTA GORDA, FL 33955-1046

Mortgage

Document Number	0003384006
Date	Mar 22, 2024
Instrument	3384006

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 24, 2021
Property Address	541 PHILODENDRON, PUNTA GORDA, FL 33955-1046
Document Number	0048280184
Book / Page	4828 / 184
Map Reference	MB 10 PG 4A-4Q
Instrument Date	Aug 18, 2021
Instrument	2988597
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 PHILODENDRON, PUNTA GORDA, FL 33955-1046

Mortgage

Document Number	0004828186
Date	Aug 24, 2021
Instrument	4828/186

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 541 Philodendron was $3,019 with a homeowner's exemption, up 2.5% from the year before.

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	$3,019.00 (+2.55%) Homeowner's exemption	$222,695	$287,456 Land $46,750 Building $240,706
2024	$2,944.00 (+1.9%)
2023	$2,889.00 (+3.07%) Homeowner's exemption	$210,116 (+3%)	$263,265 (-8.58%) Land $57,000 Building $206,265
2022	$2,803.00 Homeowner's exemption	$203,996	$287,982 Land $46,750 Building $241,232

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

Flood

FEMA maps place 541 Philodendron in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 541 Philodendron is low, with a 0.07% annual chance of 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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