7105 Rum Bay Dr, Placida, FL 33946 Property Records

Charlotte County property record for 7105 Rum Bay Dr, Placida, FL 33946

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,738 sqft · built 1989
Lot Size	0.269 acres (11,730 sqft)
Owner	Company Name on File
Last Sale	$700,000 (Jan 2019)
Tax Bill	$8,045 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage May 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`412020352004`

Property Details

APN / Parcel Number

Primary APN	`412020352004`
Alternative APNs	`00865911017307` `10004652570`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,738 sqft Living Area
Gross Area	2,586 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Combination
Construction Type	Frame
Roof Material	Metal
Lot Area	11,730 sqft (0.269 acres)
Lot Dimensions	138 ft deep x 85 ft wide
View / Lot	Waterfront

Exterior Amenities

Porch	Porch
Porch Area	414 sqft
Deck Area	112 sqft
Patio Area	1,947 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00865911017307
Street Address	7105 RUM BAY DR
City	PLACIDA
State	FL
Zip	33946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	ISLAND HARBOR BCH CLUB SEC 1 LTS 73 & 74 985-325 1462/593 1956/755 3257/1778 4200/546 RES4337/2078 4398/2066 5048/768
Legal Range	20E
Legal Township	41S
Legal Section	20
Legal Subdivision	ISLAND HARBOR BCH CLUB
Legal Tract	IHB
Legal Lot Number	73,74
Jurisdiction	CHARLOTTE FL
Township / Civil Division	GROVE CITY-ROTONDA
Census Block Group	1
Census Block	1013
Census Tract	30402

Owner

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	Company Name on File
Mailing Address	7092 PLACIDA RD, 74, PLACIDA, FL 33946-2501
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2019	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
May 18, 2017	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE IN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2019 · Amount on File
Deed Sale	Jan 22, 2019 · Amount on File
Prior Sale	May 18, 2017 · Amount on File
Deed Document Number	20192677835
Deed Book / Page	4398 / 2066
Prior Transfer Date	Jan 18, 2008
Prior Transfer Doc	0032571778
Record Updated	Jun 8, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 22, 2019
Property Address	7105 RUM BAY DR, PLACIDA, FL 33946
Document Number	0043982066
Book / Page	4398 / 2066
Map Reference	MB 16 PG 13A-13D
Instrument Date	Jan 16, 2019
Instrument	2677835
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	WIDEIKIS BENEDICT & BERNTSSO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15918 SORAWATER DR, 15918, LITHIA, FL 33547-3912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 FOREST AVE, GLEN ELLYN, IL 60137-4162

Mortgage

Document Number	0002677836
Date	Jan 22, 2019
Instrument	2677836

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 18, 2017
Property Address	7105 RUM BAY DR, PLACIDA, FL 33946
Document Number	0042000546
Book / Page	4200 / 0546
Map Reference	MB16 PG13A-13D
Instrument Date	May 12, 2017
Instrument	2524730
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	FIRST INTERNATIONAL TITLE IN

Transaction

Amount	Amount on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1030 3RD AVE S, 1030, NAPLES, FL 34102-6456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15918 SORAWATER DR, LITHIA, FL 33547-3912

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	$8,045.00 (-22.1%) Homeowner's exemption Widower's exemption	$532,533 (-6.4%) Land $141,610 Building $390,923	$532,533 (+10.13%) Land $141,610 Building $390,923
2024	$10,327.00 (-7.3%)
2023	$11,140.00 (+11.66%)	$568,959 (+6.92%)	$483,552 (-9.13%) Land $166,600 Building $316,952
2022	$9,977.00	$532,148 Land $120,369 Building $411,779	$532,148 Land $120,369 Building $411,779

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 File median of 242 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	369 units insured incl. 127 condo units
Nearby Flood Claims	326 (1982–2024)
Claims Outside the SFHA	1 of 326
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 156 claims Hurricane Helene, Oct 2024 · 108 claims Hurricane Ian, Sep 2022 · 19 claims

Coastal Barrier Resources

Source: USFWS Coastal Barrier Resources System, as of December 19, 2024

Coastal Barrier Resources System	Yes
Unit	P21 “Bocilla Island”
Unit Type	System Unit
Designated	Oct 18, 1982
NFIP Eligibility	Not eligible (built 1989) built after the Oct 1, 1983 cutoff · private flood insurance only

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% 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	KNIGHT ISLAND UTILITIES, INC. private · serves 431 people · EPA ID FL6084075
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	3 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 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

May also be available: CenturyLink.

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