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7121 Rum Bay Dr, Placida, FL 33946 Property Records

Charlotte County property record for 7121 Rum Bay Dr, Placida, FL 33946 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,064 sqft · built 2017
Lot Size0.325 acres (14,160 sqft)
OwnerIndividual Name on File
Last Sale$960,000 (Sep 2021)
Tax Bill$9,885 (2025)
Deeds & MortgagesNov 2021 Line of Credit
Sep 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN41-20-20-352-007

Property Details

APN / Parcel Number

Primary APN41-20-20-352-007
Alternative APNs
  • 0086591-101770-8
  • 10004652573

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area2,064 sqft Living Area
Gross Area3,305 sqft
FlooringCovered
ElevatorElevator

Exterior

Year BuiltBuilt 2017
Exterior MaterialSiding
Construction TypeWood
Foundation TypePile
Roof MaterialMetal
Lot Area14,160 sqft (0.325 acres)
Lot Dimensions175 ft deep x 80 ft wide
Deck Area299 sqft
Patio Area1,239 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number10004652573
Old Parcel Number00865911017708
Street Address7121 RUM BAY DR
CityPLACIDA
StateFL
Zip33946
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionIHB 001 0000 0077 ISLAND HARBOR BCH CLUB SEC 1 LT 77 1037/890 1066/932 1776/1815 1916/303 CT3404/1921 CT
Legal Range20E
Legal Township41S
Legal Section20
Legal SubdivisionISLAND HARBOR BCH CLUB SEC 01
Legal Lot Number77 1037
JurisdictionCHARLOTTE FL
Township / Civil DivisionGROVE CITY-ROTONDA
Census Block Group1
Census Block1013
Census Tract30402

Owner

Source: Charlotte County records · APN 41-20-20-352-007

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address7092 PLACIDA RD # 77, 77, PLACIDA, FL 33946-2501
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 29, 2021Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
Sep 07, 2021Warranty Deed, Transfer · Conventional Mortgage
SOFI LENDING CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 07, 2021 · Amount on Record
Deed SaleSep 07, 2021 · Amount on Record
Prior SaleMay 06, 2015 · Amount on Record
Deed Document Number2993963
Deed Book / Page4836 / 234
Record UpdatedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address7121 RUM BAY DR, PLACIDA, FL 33946
Transaction TypeMortgage
Record UpdatedJul 27, 2022
Title CompanyDATA SEARCH INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address7121 RUM BAY DR, PLACIDA, FL 33946

Mortgage

Document Number0048831917
DateNov 29, 2021
Book Page4883/1917
Instrument3027421
Lender
NameTRUIST BANK
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueNov 09, 2046
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateSep 07, 2021
Property Address7121 RUM BAY DR, PLACIDA, FL 33946
Document Number0048360234
Book / Page4836 / 234
Map ReferenceMB 16 PG 13A-13D
Instrument DateAug 31, 2021
Instrument2993963
Transaction TypeTransfer
Record UpdatedJul 27, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$6,720.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 421, PLACIDA, FL 33946-0421

Transferred To (Grantee/Buyer)

NameVerified Name
Address5 WHITRIDGE RD, NATICK, MA 01760-5572

Mortgage

Document Number0004836236
DateSep 07, 2021
Instrument4836/236
Lender
NameSOFI LENDING CORP
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueSep 01, 2041

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCharlotte County
Unified School DistrictCharlotte County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$9,885.00 (-24.42%) Homeowner's exemption$638,821 (-13.43%)$764,160 (-10.6%) Land $165,600 Building $598,560
2023$13,079.00 (+3.67%) Homeowner's exemption$737,906 (+3%)$854,748 (+19.31%) Land $165,600 Building $689,148
2022$12,616.00 Homeowner's exemption$716,414 Land $119,646 Building $596,768$716,414 Land $119,646 Building $596,768

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charlotte County (12015C), updated September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120150304021, refreshed September 2026 · USFWS Coastal Barrier Resources System, December 19, 2024 release · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
CoastalYes
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 242 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies369 units insured
127 under condo master policies
Nearby Flood Claims326 (1982–2024)
Claims Outside the SFHA1 of 326
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Milton, Oct 2024 · 156 claims
  • Hurricane Helene, Oct 2024 · 108 claims
  • Hurricane Ian, Sep 2022 · 19 claims

Coastal Barrier Resources

Coastal Barrier Resources SystemYes
UnitP21 “Bocilla Island”
Unit TypeSystem Unit
DesignatedOctober 18, 1982
NFIP EligibilityNot eligible (built 2017)
built after the October 1, 1983 cutoff · private flood insurance only

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 51 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20

May also be available at this address: Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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