Charlotte County property record for 10122 Winding River Rd, Punta Gorda, FL 33950 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,878 sqft · built 2016 |
| Lot Size | 0.171 acres (7,444 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $328,000 (Apr 2026) |
| Tax Bill | $5,946 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Aug 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 412322376010 |
| Primary APN | 412322376010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,878 sqft Living Area |
| Gross Area | 3,799 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,444 sqft (0.171 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 465 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 456 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00724710265009 |
|---|---|
| Street Address | 10122 WINDING RIVER RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-1305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CREEKSIDE PH 3 BLK 5 LT 34 3932/1564 CD3942/741 4081/531 |
| Legal Range | 23E |
| Legal Township | 41S |
| Legal Section | 22 |
| Legal Subdivision | CREEKSIDE PH 3 |
| Legal Tract | CRE |
| Legal Block | 5 |
| Legal Lot Number | 34 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 10503 |
Source: Charlotte County records · APN 412322376010
Assessment roll updated November 19, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 10122 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Dec 01, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Aug 27, 2025 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Apr 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on Record |
| Deed Sale | Apr 29, 2026 · Amount on Record |
| Prior Sale | May 11, 2016 · Amount on Record |
| Deed Document Number | 20263638746 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 10122 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10122 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Document Number | 0048851579 |
|---|---|
| Date | Dec 01, 2021 |
| Book Page | 4885/1579 |
| Instrument | 3028678 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 10122 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 10122 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Document Number | 0003561806 |
|---|---|
| Date | Aug 27, 2025 |
| Instrument | 3561806 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Sep 01, 2065 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 29, 2026 |
| Property Address | 10122 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Document Number | 0003638746 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 2026.3638746 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2026 |
| Title Company | FLORIDA FIRST TITLE, FLORIDA RESIDENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $231,896.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 10122 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Document Number | 0003638747, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 2026..3638747 |
| Name | SUNCOAST CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Charlotte County records · Assessment roll updated November 19, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,946.00 (-4.82%) | $367,991 (+31.97%) Land $29,750 Building $338,241 | $367,991 (-11.88%) Land $29,750 Building $338,241 |
| 2024 | $6,247.00 (-1.23%) | ||
| 2023 | $6,325.00 (+12.13%) | $278,841 (-28.59%) | $417,585 (+6.94%) Land $30,000 Building $387,585 |
| 2022 | $5,641.00 | $390,489 Land $21,250 Building $369,239 | $390,489 Land $21,250 Building $369,239 |
Source: FEMA National Flood Hazard Layer, Charlotte County (12015C), updated September 28, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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