7145 Rum Bay Dr, Placida, FL 33946 Property Records

Charlotte County property record for 7145 Rum Bay Dr, Placida, FL 33946

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.17 acres (7,400 sqft)
Owner	Company Name on Record
Last Sale	$542,500 (Jul 2022)
Tax Bill	$1,169 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2022 Sale & Second Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`412020352013`

Property Details

APN / Parcel Number

Primary APN	`412020352013`
Alternative APNs	`00865911018404` `10004652578`

Exterior

Lot Area	7,400 sqft (0.17 acres)
Lot Dimensions	185 ft deep x 40 ft wide
View / Lot	Waterfront

Location & Zoning

Account Number	00865911018404
Street Address	7145 RUM BAY DR
City	PLACIDA
State	FL
Zip	33946
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	PD
Legal Description	ISLAND HARBOR BCH CLUB SEC 1 LT 84 1022-442&43 (CERT/TRUST)1341/938 AFF1348/1468 2025/1849 2536/1868 3154/780 4150/1886 4150/1888 4150/1890 4162/1329 RES4337/2078 4748/556 4924/1734 5020/55 CT3392565
Legal Range	20E
Legal Township	41S
Legal Section	20
Legal Subdivision	ISLAND HARBOR BCH CLUB
Legal Tract	IHB
Legal Lot Number	84
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	7145 RUM BAY DR, PLACIDA, FL 33946
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage GUS A GOLDSMITH
Jul 18, 2022	Warranty Deed, Transfer · Stand-Alone Second Mortgage PROVINCIAL INVESTMENTS INC
Feb 9, 2022	Intrafamily Transfer, Transfer · Commercial Mortgage GROUNDFLOOR REAL ESTATE 1 LLC
Apr 15, 2021	Warranty Deed, Transfer NOT AVAILABLE, AZUR TITLE CORP
Jan 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	Apr 15, 2021 · Amount on Record
Deed Document Number	20223128965
Deed Book / Page	5020 / 55
Prior Transfer Date	Jan 12, 2017
Prior Transfer Doc	0041621329
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	7145 RUM BAY DR, PLACIDA, FL 33946
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047711636
Date	May 21, 2021
Book Page	4771/1636
Instrument	2948823

Lender

Name	GUS A GOLDSMITH
Type	Private Party
Address	18205 BISCAYNE BLVD STE 2226, AVENTURA, FL 33160

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 18, 2022
Property Address	7145 RUM BAY DR, PLACIDA, FL 33946
Document Number	0050200055
Book / Page	5020 / 55
Map Reference	MB 16 PG 13
Instrument Date	Jul 13, 2022
Instrument	3128965
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	NOT AVAILABLE, AZUR TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,797.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19900 VETERANS BLVD, 19900, PORT CHARLOTTE, FL 33954-2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 5TH AVE SOUTH #448 # 448, 448, PORT CHARLOTTE, FL 33954

Mortgage

Document Number	0050200060
Date	Jul 18, 2022
Instrument	5020/0060

Lender

Name	PROVINCIAL INVESTMENTS INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 9, 2022
Property Address	7145 RUM BAY DR, PLACIDA, FL 33946
Document Number	0049241734
Book / Page	4924 / 1734
Map Reference	MB 16 PG 13A-13D
Instrument Date	Feb 8, 2022
Instrument	3057176
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	NOT AVAILABLE, AZUR TITLE CORP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19900 VETERANS BLVD, 19900, PORT CHARLOTTE, FL 33954-2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19900 VETERANS BLVD, PORT CHARLOTTE, FL 33954-2025

Mortgage

Document Number	0049241738
Date	Feb 9, 2022
Instrument	4924/1738

Lender

Name	GROUNDFLOOR REAL ESTATE 1 LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 15, 2021
Property Address	7145 RUM BAY DR, PLACIDA, FL 33946
Document Number	0047480556
Book / Page	4748 / 556
Map Reference	MB 16 PG 13A-13D
Instrument Date	Apr 10, 2021
Instrument	2931816
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	NOT AVAILABLE, AZUR TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	546 MERIMONT BLVD, 546, AUBURN, AL 36830-4235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 ROOSEVELT ST APT 1, 1, HOLLYWOOD, FL 33020-2663
Investor	Possibly a Property Investor

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 26, 2017
Property Address	7145 RUM BAY DR, PLACIDA, FL 33946
Document Number	0041621329
Book / Page	004162 / 001329
Instrument Date	Jan 12, 2017
Instrument	2495669
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4855 DOCKSIDE DR #202 FORT MYERS FL 339194660, 202, FORT MYERS, FL 33919-4660

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 26, 2017
Property Address	7145 RUM BAY DR, PLACIDA, FL 33946
Document Number	0041621331
Book / Page	004162 / 001331
Instrument Date	Jan 12, 2017
Instrument	2495670
Transaction Type	Transfer
Record Updated	Feb 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Partial Interest Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4855 DOCKSIDE DR #202 FORT MYERS FL 339194660, 202, FORT MYERS, FL 33919-4660

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	$1,169.00 (-26.11%)	$70,720 (-) Land $70,720	$70,720 (-15%) Land $70,720
2024	$1,582.00 (-1.56%)
2023	$1,607.00 (+18.07%)	$70,720 (+17.65%)	$83,200 (+38.41%) Land $83,200
2022	$1,361.00	$60,112 Land $60,112	$60,112 Land $60,112

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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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 for structures 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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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