1089 Navigator Rd, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 1089 Navigator Rd, Punta Gorda, FL 33983

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.505 acres (22,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$471 (2025)
Deeds & Mortgages	Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`402309230003`

Property Details

APN / Parcel Number

Primary APN	`402309230003`
Alternative APNs	`00952623164704` `10004612752`

Exterior

Lot Area	22,000 sqft (0.505 acres)
View / Lot	Waterfront

Location & Zoning

Account Number	00952623164704
Street Address	1089 NAVIGATOR RD
City	PUNTA GORDA
State	FL
Zip	33983
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RMF15
Legal Description	PUNTA GORDA ISLES SEC23 BLK652 LT 7 715/824 1029/1334 2939/1134 PR14-1017-AC AFF3878/263-EFC&AMC 3878/476 WILL3878/478 3962/1345 3962/1347 3962/1348 3962/1350 3962/1353 L/E4453/425
Legal Range	23E
Legal Township	40S
Legal Section	09
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	652
Legal Lot Number	7
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1008
Census Tract	20101

Owner

1089 Navigator Rd, residential vacant land, is owned by two individuals who acquired it in June 2019.

Source: Charlotte County records, as of November 19, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1999 KINGS HWY, 135A, PORT CHARLOTTE, FL 33980-4290
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 Transfer Date	Jun 25, 2019
Transfer Doc	0044530425
Record Updated	Jun 8, 2026

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 25, 2019
Property Address	1089 NAVIGATOR RD, PUNTA GORDA, FL 33983
Document Number	0044530425
Book / Page	004453 / 000425
Instrument Date	Jun 25, 2019
Instrument	2721201
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1089 NAVIGATOR RD PUNTA GORDA FL 33983, PUNTA GORDA, FL 33983

Tax Assessment & Valuation

The 2025 property tax bill for 1089 Navigator Rd was $471, down 55% from the year before.

Source: Charlotte County assessment roll, as of November 19, 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	$471.00 (-55.01%)	$48,046 Land $48,046	$48,046 Land $48,046
2024	$1,047.00 (-0.85%)
2023	$1,056.00 (+22.79%)	$15,945 (-68.66%)	$66,150 (+30.03%) Land $66,150
2022	$860.00	$50,873 Land $50,873	$50,873 Land $50,873

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

Flood

FEMA maps place 1089 Navigator Rd in Zone X, an area of minimal flood risk, within 100 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 100 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 1089 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