Charlotte County property record for 1132 Navigator Rd, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,274 sqft · built 2020 |
| Lot Size | 1.59 acres (69,357 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $20,000 (Jul 2018) |
| Tax Bill | $5,333 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Aug 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 402309229006 |
| Primary APN | 402309229006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,274 sqft Living Area |
| Gross Area | 3,408 sqft |
| 1st Floor Area | 2,274 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 69,357 sqft (1.59 acres) |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Driveway | Driveway |
| Driveway Area | 1,443 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 315 sqft |
| Porch | Enclosed/Screened Porch |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952623162207 |
|---|---|
| Street Address | 1132 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 | PUNTA GORDA ISLES SEC 23 BLK 651 LT 2 2208/1175 2939/1134 3922/1343 4148/896 REST4176/2126 4298/1523 PGI 023 0651 0003 PUNTA GORDA ISLES SEC23 BLK651 LT 3 735/75 1495/787 2939/1134 3756/814 3773/753 4298/1555 PGI 023 0651 00 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 09 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 651 |
| Legal Lot Number | 2 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20101 |
1132 Navigator Rd is owned and occupied by two individuals who bought it in July 2018.
Source: Charlotte County records, as of January 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1132 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.
| Date | Document |
|---|---|
| Jan 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Aug 24, 2018 | Deed of Trust, Mortgage CHARLOTTE ST BK&TR |
| Apr 2, 2018 | Warranty Deed, Subdivision Related Transfer HOMETOWN TITLE AND CLOSING SERVICES |
| Apr 2, 2018 | Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2018 · Amount on File |
| Deed Sale | Jul 3, 2018 · Amount on File |
| Prior Sale | Apr 2, 2018 · Amount on File |
| Deed Document Number | 20182626484 |
| Deed Book / Page | 4333 / 947 |
| Prior Transfer Date | Jan 31, 2014 |
| Prior Transfer Doc | 0039221343 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1132 NAVIGATOR RD, PORT CHARLOTTE, FL 33983-6325 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Title Company | HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS |
| Name | Verified Name |
|---|---|
| Address | 1132 NAVIGATOR RD, PORT CHARLOTTE, FL 33983-6325 |
| Document Number | 0049070001 |
|---|---|
| Date | Jan 7, 2022 |
| Book Page | 4907/1 |
| Instrument | 3043603 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1132 NAVIGATOR RD, PORT CHARLOTTE, FL 33983-6325 |
| Document Number | 0043530098 |
| Instrument Date | Aug 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Title Company | HOMETOWN TITLE AND CLOSING SERVICES |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 WATERS AVE ROCKY HILL CT 060671244, ROCKY HILL, CT 06067-1244 |
| Document Number | 0043530098 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 004353/000098 |
| Instrument | 2641691 |
| Name | CHARLOTTE ST BK&TR |
|---|---|
| Type | Bank |
| Address | PORT CHARLOTTE, FL 33953 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 28, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 2, 2018 |
| Property Address | 1132 NAVIGATOR RD, PORT CHARLOTTE, FL 33983-6325 |
| Document Number | 0042981523 |
| Book / Page | 004298 / 001523 |
| Instrument Date | Mar 28, 2018 |
| Instrument | 2599610 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 12, 2018 |
| Title Company | HOMETOWN TITLE AND CLOSING SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $94.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 WATERS AVE ROCKY HILL CT 060671244, ROCKY HILL, CT 06067-1244 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 2, 2018 |
| Property Address | 1132 NAVIGATOR RD, PORT CHARLOTTE, FL 33983-6325 |
| Document Number | 0042981555 |
| Book / Page | 004298 / 001555 |
| Instrument Date | Mar 22, 2018 |
| Instrument | 2599624 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2020 |
| Title Company | HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $88.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 WATERS AVE ROCKY HILL CT 060671244, ROCKY HILL, CT 06067-1244 |
The 2025 property tax bill for 1132 Navigator Rd was $5,333 with a homeowner's exemption, down 32.6% from the year before.
Source: Charlotte County assessment roll, as of November 19, 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 | $5,333.00 (-32.59%) Homeowner's exemption | $393,581 | $572,641 Land $144,585 Building $428,056 |
| 2024 | $7,911.00 (+0.41%) | ||
| 2023 | $7,879.00 (+12.44%) Homeowner's exemption | $371,349 (+3%) | $640,841 (+62.29%) Land $197,926 Building $442,915 |
| 2022 | $7,007.00 Homeowner's exemption | $360,533 | $394,872 Land $109,956 Building $284,916 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1132 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 1132 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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