Charlotte County property record for 1040 Navigator Rd, Punta Gorda, FL 33983
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 4 ba · 2,480 sqft · built 2024 |
| Lot Size | 0.568 acres (24,751 sqft) |
| Owner | Individual Name on File |
| Last Sale | $599,000 (Apr 2024) |
| Tax Bill | $7,727 (2025) |
| Deeds & Mortgages | Apr 2024 Sale Jan 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-23-09-209-003 |
| Primary APN | 40-23-09-209-003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,480 sqft Total Area |
| Gross Area | 3,614 sqft |
| Flooring | Covered |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Composition/Composite |
| Fire Resistance | Masonry Walls, Wood Interior |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 24,751 sqft (0.568 acres) |
| Driveway | Driveway |
| Driveway Area | 1,800 sqft |
| Water Feature | Water Feature |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004612715 |
|---|---|
| Old Parcel Number | 00952623160600 |
| Street Address | 1040 NAVIGATOR RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-6397 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RMF15 |
| Legal Description | PGI 023 0650 0006 PUNTA GORDA ISLES SEC23 BLK650 LT 6 751/1116 862/1827 C#90-1157 1118/51 AFF2016/999-GI OSA2016/ |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 09 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 650 |
| Legal Lot Number | 6 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 20101 |
1040 Navigator Rd, a duplex, is owned by an individual who bought it in April 2024.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3087 LANDMARK BLVD APT 1805, 1805, PALM HARBOR, FL 34684-5050 |
| 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 |
|---|---|
| Apr 8, 2024 | Warranty Deed, Subdivision Related Transfer TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY INC |
| Jan 9, 2023 | Warranty Deed, Transfer · Commercial Mortgage DOMINION FINANCIAL SERVICES LLC |
| Aug 22, 2022 | Warranty Deed, Transfer TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2024 · Amount on File |
| Deed Sale | Apr 8, 2024 · Amount on File |
| Prior Sale | Jan 9, 2023 · Amount on File |
| Deed Document Number | 3390866 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 8, 2024 |
| Property Address | 1040 NAVIGATOR RD, PUNTA GORDA, FL 33983-6397 |
| Document Number | 0003390866 |
| Map Reference | MB 12 PG 2A-2Z41 |
| Instrument Date | Apr 5, 2024 |
| Instrument | 3390866 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 22, 2024 |
| Title Company | TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $4,193.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 534 N CARLTON AVE, SARATOGA SPRINGS, UT 84045-3103 |
| Name | Verified Name |
|---|---|
| Address | 3087 LANDMARK BLVD APT 1805, 1805, PALM HARBOR, FL 34684-5050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jan 9, 2023 |
| Property Address | 1040 NAVIGATOR RD, PUNTA GORDA, FL 33983-6397 |
| Document Number | 0003199528 |
| Map Reference | MB 12 PG 2A-2Z41 |
| Instrument Date | Jan 4, 2023 |
| Instrument | 3199528 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $437.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1600 CLERMONT DR UNIT 403, 403, NAPLES, FL 34109-4434 |
| Name | Verified Name |
|---|---|
| Address | 534 N CARLTON AVE, SARATOGA SPRINGS, UT 84045-3103 |
| Document Number | 0003199529 |
|---|---|
| Date | Jan 9, 2023 |
| Instrument | 3199529 |
| Name | DOMINION FINANCIAL SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jan 4, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Aug 22, 2022 |
| Property Address | 1040 NAVIGATOR RD, PUNTA GORDA, FL 33983-6397 |
| Document Number | 0050370620 |
| Book / Page | 5037 / 620 |
| Map Reference | MB 12 PG 2A-2Z41 |
| Instrument Date | Aug 17, 2022 |
| Instrument | 3142372 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $437.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3622 SW 21ST PL # PLP1, PLP1, CAPE CORAL, FL 33914-5495 |
| Name | Verified Name |
|---|---|
| Address | 1600 CLERMONT DR UNIT 403, 403, NAPLES, FL 34109-4434 |
The 2025 property tax bill for 1040 Navigator Rd was $7,727.
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 | $7,727.00 | $512,244 | $485,019 Land $72,000 Building $413,019 |
| 2023 | $1,566.00 (+112.77%) | $66,300 (+47.73%) | $78,000 (+73.8%) Land $78,000 |
| 2022 | $736.00 | $44,880 Land $44,880 | $44,880 Land $44,880 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1040 Navigator Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 22 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 30 units insured incl. 8 condo units |
| Nearby Flood Claims | 10 (2004–2022) |
| Claims Outside the SFHA | 7 of 10 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 1040 Navigator 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 | CHARLOTTE COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2025 |
| Lead | 10 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 157 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 |
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