8886 Bay St, Placida, FL 33946 Property Records

Charlotte County property record for 8886 Bay St, Placida, FL 33946

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,192 sqft · built 1963
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$462,500 (Oct 2019)
Tax Bill	$1,574 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Aug 2019 Sale & Construction Loan
Flood Zone	Zone AE (high risk)
APN	`42-20-15-354-026`

Property Details

APN / Parcel Number

Primary APN	`42-20-15-354-026`
Alternative APNs	`0081091-000000-0` `10004716862`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,192 sqft Living Area
Gross Area	1,492 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1963
Architectural Style	Other
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Pier/Post & Beam
Roof Material	Wood Shingle
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	80 ft deep x 50 ft wide

Exterior Amenities

Porch	Porch
Porch Area	300 sqft
Deck Area	112 sqft
Patio Area	1,580 sqft
Loading Dock	463 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004716862
Old Parcel Number	00810910000000
Street Address	8886 BAY ST
City	PLACIDA
State	FL
Zip	33946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BBI
Legal Description	GAS 000 000C 0016N GASPARILLA SHORES BLK C N1/2 LT 16 221/140 241/118 334/499 549/1559 635/1649 636/2045 778/
Legal Range	20E
Legal Township	42S
Legal Section	15
Legal Subdivision	GASPARILLA SHORES
Legal Block	C
Legal Lot Number	16
Jurisdiction	CHARLOTTE FL
Township / Civil Division	GROVE CITY-ROTONDA
Census Block Group	2
Census Block	2015
Census Tract	30402

Owner

Source: Charlotte County records, as of December 10, 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	209 FRENCHMANS CREEK WAY, WINTER HAVEN, FL 33884-1810
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2019	Warranty Deed, Transfer · Conventional Mortgage THELENDER
Aug 8, 2019	Warranty Deed, Construction Loan · Construction Mortgage CHARLES E III & LINDA H SODERQUIST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2019 · Amount on Record
Deed Sale	Oct 14, 2019 · Amount on Record
Deed Document Number	2751607
Deed Book / Page	4493 / 0783
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 14, 2019
Property Address	8886 BAY ST, PLACIDA, FL 33946
Document Number	0044930783
Book / Page	004493 / 000783
Instrument Date	Sep 27, 2019
Instrument	2751607
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,237.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	209 FRENCHMANS CREEK WAY WINTER HAVEN FL 338841810, WINTER HAVEN, FL 33884-1810

Mortgage

Document Number	44930785
Date	Oct 14, 2019
Book Page	004493/000785
Instrument	2751608

Lender

Name	THELENDER
Address	SAINT PETERS, MO 63376

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.25%

August 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 8, 2019
Property Address	8886 BAY ST, PLACIDA, FL 33946
Document Number	0044701282
Book / Page	004470 / 001282
Instrument Date	Aug 7, 2019
Instrument	2734365
Transaction Type	Construction Loan
Record Updated	Aug 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 11 PLACIDA FL 339460011, PLACIDA, FL 33946-0011

Mortgage

Document Number	44701283
Date	Aug 8, 2019
Book Page	004470/001283
Instrument	2734366

Lender

Name	CHARLES E III & LINDA H SODERQUIST
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 7, 2020

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 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	$1,574.00 (-76.21%)	$104,321 (-72.98%)	$259,143 (-7.27%) Land $106,400 Building $152,743
2023	$6,615.00 (+5.27%)	$386,023 (-5.21%)	$279,473 (-31.37%) Land $133,000 Building $146,473
2022	$6,284.00	$407,240 Land $104,975 Building $302,265	$407,240 Land $104,975 Building $302,265

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 677 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,446 units insured incl. 769 condo units
Nearby Flood Claims	679 (1982–2025)
Most Recent Claim	Mar 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 377 claims Hurricane Helene, Oct 2024 · 156 claims Hurricane Ian, Sep 2022 · 39 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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
BridgeMAXX Suncoast Broadband Fixed Wireless	50 / 10
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3
CenturyLink DSL	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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