5505 Riverside Dr, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 5505 Riverside Dr, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,548 sqft · built 1921
Lot Size	0.498 acres (21,690 sqft)
Owner	2 Individual Names on Record
Last Sale	$241,000 (Dec 2021)
Tax Bill	$2,973 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`402326354002`

Property Details

APN / Parcel Number

Primary APN	`402326354002`
Alternative APNs	`00782670000004` `10004623073`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,548 sqft Living Area
Gross Area	1,985 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1965
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,690 sqft (0.498 acres)
Driveway	Asphalt Driveway
Driveway Area	520 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	90 sqft
Deck Area	Deck Area
Patio Area	437 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00782670000004
Street Address	5505 RIVERSIDE DR
City	PUNTA GORDA
State	FL
Zip	33982-1588
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MHC
Legal Description	N CLEVELAND BLK 27 NW/LY 1/2 LT 4 BEING 104 FT ON HARBOR AVE BY 208 FT ON RIVERSIDE DR 350/159 358/199 628/68 679/773 916/1438 1288/1042 CD1300/804 1741/1755 CT1893/6411925/2110 CT3318/1292 3342/1230 3542/1256 L/E3743/31 4007/653 4889/431
Legal Range	23E
Legal Township	40S
Legal Section	26
Legal Subdivision	N CLEVELAND
Legal Tract	CLN
Legal Block	27
Legal Lot Number	4
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2029
Census Tract	10200

Owner

Source: Charlotte County records, as of November 19, 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	5505 RIVERSIDE DR, PUNTA GORDA, FL 33982-1588
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Oct 1, 2019	Deed of Trust, Mortgage · FHA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2021 · Amount on Record
Deed Sale	Dec 7, 2021 · Amount on Record
Prior Sale	Sep 2, 2015 · Amount on Record
Deed Document Number	20213031172
Deed Book / Page	4889 / 431
Prior Transfer Date	Mar 6, 2013
Prior Transfer Doc	0037430031
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 7, 2021
Property Address	5505 RIVERSIDE DR, PUNTA GORDA, FL 33982-1588
Document Number	0048890431
Book / Page	4889 / 431
Map Reference	MB 1 PG 22
Instrument Date	Dec 3, 2021
Instrument	3031172
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	BURNT STORE TITLE LLC, BURNT STORE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5505 RIVERSIDE DR, PUNTA GORDA, FL 33982-1588

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5505 RIVERSIDE DR, PUNTA GORDA, FL 33982-1588

Mortgage

Document Number	0004889433
Date	Dec 7, 2021
Instrument	4889/433

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	5505 RIVERSIDE DR, PUNTA GORDA, FL 33982-1588
Document Number	0044910041
Instrument Date	Oct 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5505 RIVERSIDE DR PUNTA GORDA FL 339821588, PUNTA GORDA, FL 33982-1588

Mortgage

Document Number	0044910041
Date	Oct 7, 2019
Book Page	004491/000041
Instrument	2749714

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2049

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 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	Homeowner's exemption	$16,560 (-93.76%) Land $14,450 Building $2,110	$16,560 (-88.62%) Land $14,450 Building $2,110
2024	$2,973.00 (-31.07%)
2023	$4,313.00 (+11.62%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$265,442 (+3%)	$145,548 (-43.52%) Land $15,000 Building $130,548
2022	$3,864.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$257,713 Land $10,625 Building $247,088	$257,713 Land $10,625 Building $247,088

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 151 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 units insured incl. 16 condo units
Nearby Flood Claims	257 (1982–2024)
Claims Outside the SFHA	3 of 257
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 81 claims Hurricane Helene, Sep 2024 · 64 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 33 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	0.02% 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	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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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