Charlotte County has records on many homes that have been built after 1989 or so. You can call the building department and ask them, they are very helpful and can even email it to you if they have it. You can ask the current owner if they have a copy or you can do it the old fashion way and pay to have a survey company do one for you, it will cost you between $150 and $250 depending on who you pick.
This is a great question to be asking at this time. If the subject property is within or even close to the FEMA flood limits, the existing insurance company would have required the owner to pay higher premiums or get a elevation certificate. If the owner does not have one, this could indicate the property is not in a threatened situation.
It is to your advantage to pay for and retain a flood certificate. You will discover the number of feet above the flood elevation willl prove to have a dramatic influence on your premiums. Four feet or more are golden.
Making the elevation survey available to future owners is a great benefit and addresses some of their risk aversion needs.
A local surveyor will be able to complete a elevation survey and provide an elevation certificate.
Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL
Move to the FRONT OF THE LINE (http://FirstLookHomes.us)
Jason Painter | Broker In Charge | REALTORÂ®
PROGRAM Realty, LLC
Florida Real Estate Brokerage | Real Estate Investing & Consulting
194 Rotonda Blvd East | Rotonda West, FL 33947
Direct 941.740.8000 | Fax 941.803.2849 | Toll Free 800.814.4440
PROGRAMRealty.com | JasonPainter.com
I also have the only area website that provides flood zone designations on the property summary of MLS listings for over 50 profiled neighborhoods, towns, and areas on my website:
David Barr, Broker Associate
Allison James Estates & Homes
If I can help with anything else, let me know.
Tammy Hayes, Realtor
Re/Max Palm Realty, Port Charlotte, FL