Charlotte County property record for 10152 Winding River Rd, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,920 sqft · built 2014 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Mar 2024) |
| Tax Bill | $4,268 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 412322351019 |
| Primary APN | 412322351019 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,920 sqft Living Area |
| Gross Area | 2,403 sqft |
| 1st Floor Area | 1,920 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Masonry/Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 42 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00724710250009 |
|---|---|
| Street Address | 10152 WINDING RIVER RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-1305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | CREEKSIDE PH 3 BLK5 LT19 3879/1706 4413/2106 3386270 |
| Legal Range | 23E |
| Legal Township | 41S |
| Legal Section | 22 |
| Legal Subdivision | CREEKSIDE PH 3 |
| Legal Tract | CRE |
| Legal Block | 5 |
| Legal Lot Number | 19 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 10503 |
Source: Charlotte County records, as of October 13, 2026
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 | 10152 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Mar 28, 2024 | Warranty Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC |
| Mar 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Mar 11, 2019 | Warranty Deed, Transfer QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2024 · Amount on Record |
| Deed Sale | Mar 28, 2024 · Amount on Record |
| Prior Sale | Mar 11, 2019 · Amount on Record |
| Deed Document Number | 20243386270 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Mar 28, 2024 |
| Property Address | 10152 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Document Number | 0003386270 |
| Map Reference | MB 19 PG 21 |
| Instrument Date | Mar 27, 2024 |
| Instrument | 3386270 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 638 TOBACCO RD, LEXINGTON, NC 27295-9917 |
| Name | Verified Name |
|---|---|
| Address | 10152 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Document Number | 0003386271 |
|---|---|
| Date | Mar 28, 2024 |
| Instrument | 3386271 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 10152 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 10152 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Document Number | 0047290518 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 4729/518 |
| Instrument | 2918350 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Mar 11, 2019 |
| Property Address | 10152 WINDING RIVER RD, PUNTA GORDA, FL 33950-1305 |
| Document Number | 0044132106 |
| Book / Page | 004413 / 002106 |
| Instrument Date | Mar 7, 2019 |
| Instrument | 2690160 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2519 IVANHOE ST PORT CHARLOTTE FL 339525636, PORT CHARLOTTE, FL 33952-5636 |
| Document Number | 44132107 |
|---|---|
| Date | Mar 11, 2019 |
| Book Page | 004413/002107 |
| Instrument | 2690161 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 10, 2049 |
Source: Charlotte County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,268.00 (-14.12%) | $282,935 (+28.85%) Land $34,000 Building $248,935 | $282,935 (-4.96%) Land $34,000 Building $248,935 |
| 2024 | $4,970.00 (-0.84%) | ||
| 2023 | $5,012.00 (+11.63%) | $219,586 (-24.75%) | $297,692 (+2.01%) Land $35,000 Building $262,692 |
| 2022 | $4,490.00 | $291,817 Land $25,500 Building $266,317 | $291,817 Land $25,500 Building $266,317 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 95 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 95 in force |
| Nearby Flood Claims | 7 (2017–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 78% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PUNTA GORDA serves 36,302 people · EPA ID FL6080051 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
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