Charlotte County property record for 10185 Winding River Rd, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,983 sqft · built 2013 |
| Lot Size | 0.142 acres (6,201 sqft) |
| Owner | Individual Name on File |
| Last Sale | $213,000 (Jun 2016) |
| Tax Bill | $3,449 (2024) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 41-23-22-353-002 |
| Primary APN | 41-23-22-353-002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,983 sqft Living Area |
| Gross Area | 2,586 sqft |
| Flooring | Covered |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Composition/Composite |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 6,201 sqft (0.142 acres) |
| Garage Area | 441 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 162 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004708799 |
|---|---|
| Old Parcel Number | 00724710195009 |
| Street Address | 10185 WINDING RIVER RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-1306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | CRE 003 0002 0013 CREEKSIDE PH 3 BLK2 LT13 3801/31 4093/1236 |
| Legal Range | 23E |
| Legal Township | 41S |
| Legal Section | 22 |
| Legal Subdivision | CREEKSIDE |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 10503 |
10185 Winding River Rd is owned and occupied by an individual who bought it in June 2016.
Source: Charlotte County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10185 WINDING RIVER RD, PUNTA GORDA, FL 33950-1306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU |
| Apr 7, 2018 | Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2016 · Amount on File |
| Deed Sale | Jun 17, 2016 · Amount on File |
| Prior Sale | Sep 6, 2013 · Amount on File |
| Deed Document Number | 2445545 |
| Deed Book / Page | 4093 / 1236 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 10185 WINDING RIVER RD, PUNTA GORDA, FL 33950-1306 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10185 WINDING RIVER RD, PUNTA GORDA, FL 33950-1306 |
| Document Number | 0049391599 |
|---|---|
| Date | Mar 7, 2022 |
| Book Page | 4939/1599 |
| Instrument | 3068435 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 10185 WINDING RIVER RD, PUNTA GORDA, FL 33950-1306 |
| Document Number | 0043320567 |
| Instrument Date | Apr 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2018 |
| Name | Verified Name |
|---|---|
| Address | 10185 WINDING RIVER RD PUNTA GORDA FL 339501306, PUNTA GORDA, FL 33950-1306 |
| Document Number | 0043320567 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 004332/000567 |
| Instrument | 2625666 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2048 |
| Rate | 3.62% |
|---|
Source: Charlotte County assessment roll, as of July 1, 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 | Disabled Person's exemption Veteran's exemption | $220,825 | $333,234 Land $40,000 Building $293,234 |
| 2024 | $3,449.00 (+0.94%) | ||
| 2023 | $3,417.00 (+3.64%) Homeowner's exemption | $208,351 (+3%) | $317,359 (+2.5%) Land $35,000 Building $282,359 |
| 2022 | $3,297.00 Homeowner's exemption | $202,283 | $309,610 Land $25,500 Building $284,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10185 Winding River Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2017.
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 File 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.
Wildfire risk around 10185 Winding River Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
May also be available: CenturyLink, Hotwire Communications.
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