1076 Navigator Rd, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 1076 Navigator Rd, Punta Gorda, FL 33983

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,494 sqft · built 2019
Lot Size	0.459 acres (19,999 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Mar 2022)
Tax Bill	$5,504 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-23-09-228-004`

Property Details

APN / Parcel Number

Primary APN	`40-23-09-228-004`
Alternative APNs	`0095262-316020-9` `10004612740`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,494 sqft Total Area
Gross Area	3,470 sqft
Flooring	Covered

Exterior

Year Built	Built 2019
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	19,999 sqft (0.459 acres)
Garage Area	315 sqft
Driveway	Driveway
Driveway Area	713 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	346 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004612740
Old Parcel Number	00952623160209
Street Address	1076 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 0002 PUNTA GORDA ISLES SEC23 BLK650 LT 2 783/47 889/638 1044/1781&82 1395/1806 2847/1211 2939/
Legal Range	23E
Legal Township	40S
Legal Section	09
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	650
Legal Lot Number	2
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1001
Census Tract	20101

Owner

1076 Navigator Rd, a duplex, is owned and occupied by an individual who bought it in March 2022.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1076 NAVIGATOR RD, PUNTA GORDA, FL 33983-6397
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on File
Deed Sale	Mar 4, 2022 · Amount on File
Prior Sale	Apr 7, 1995 · Amount on File
Deed Document Number	3067737
Deed Book / Page	4938 / 1837
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 4, 2022
Property Address	1076 NAVIGATOR RD, PUNTA GORDA, FL 33983-6397
Document Number	0049381837
Book / Page	4938 / 1837
Map Reference	MB 12 PG 2A-2Z41
Instrument Date	Feb 28, 2022
Instrument	3067737
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	W8842 PREUSS RD, ELROY, WI 53929-9643

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1076 NAVIGATOR RD, PUNTA GORDA, FL 33983-6397

Mortgage

Document Number	0049381839
Date	Mar 4, 2022
Instrument	4938/1839

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1076 Navigator Rd was $5,504 with a homeowner's exemption.

Source: Charlotte County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,504.00 Homeowner's exemption	$404,900	$442,388 Land $54,000 Building $388,388
2023	$7,971.00 (+17.5%) Homeowner's exemption	$434,580 (+13.55%)	$442,909 (+15.73%) Land $58,500 Building $384,409
2022	$6,784.00	$382,709 Land $33,660 Building $349,049	$382,709 Land $33,660 Building $349,049

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1076 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	Hurricane Ian, Sep 2022 · 3 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 4 claims

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

Wildfire risk around 1076 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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