Charlotte County property record for 1108 Navigator Rd, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,366 sqft · built 2019 |
| Lot Size | 0.517 acres (22,559 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $60,000 (Mar 2018) |
| Tax Bill | $5,486 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-23-09-229-002 |
| Primary APN | 40-23-09-229-002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,366 sqft Living Area |
| Gross Area | 3,519 sqft |
| Flooring | Covered |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Composition/Composite |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 22,559 sqft (0.517 acres) |
| Garage Area | 664 sqft |
| Driveway | Driveway |
| Driveway Area | 903 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 36 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 488 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004612744 |
|---|---|
| Old Parcel Number | 00952623162608 |
| Street Address | 1108 NAVIGATOR RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-6325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF15 |
| Legal Description | PGI 023 0651 0006 PUNTA GORDA ISLES SEC23 BLK651 LT 6 706/149 2939/1134 3100/462 4298/1053 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 09 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 651 |
| Legal Lot Number | 6 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20101 |
1108 Navigator Rd is owned and occupied by two individuals who bought it in March 2018.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1108 NAVIGATOR RD, PUNTA GORDA, FL 33983-6325 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2018 · Amount on File |
| Deed Sale | Mar 30, 2018 · Amount on File |
| Prior Sale | Jan 18, 2007 · Amount on File |
| Deed Document Number | 2599455 |
| Deed Book / Page | 4298 / 1053 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1108 Navigator Rd was $5,486 with a homeowner's exemption.
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 | $5,486.00 Homeowner's exemption | $403,665 | $666,420 Land $63,000 Building $603,420 |
| 2023 | $6,286.00 (+4.99%) Homeowner's exemption | $380,863 (+3%) | $614,839 (+14.22%) Land $68,250 Building $546,589 |
| 2022 | $5,987.00 Homeowner's exemption | $369,770 | $538,304 Land $39,270 Building $499,034 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1108 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 1108 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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