1232 Oceanic Rd, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 1232 Oceanic Rd, Punta Gorda, FL 33983

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 3,028 sqft · built 2024
Lot Size	0.581 acres (25,311 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Jul 2026)
Tax Bill	$9,552 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`402309281005`

Property Details

APN / Parcel Number

Primary APN	`402309281005`
Alternative APNs	`00952623170608` `10004612827`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,028 sqft Living Area
Gross Area	4,338 sqft
1st Floor Area	3,028 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	25,311 sqft (0.581 acres)
Garage Type	Attached
Garage Area	1,038 sqft
Driveway	Driveway
Driveway Area	1,890 sqft
Porch	Enclosed/Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952623170608
Street Address	1232 OCEANIC RD
City	PUNTA GORDA
State	FL
Zip	33983-6368
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RMF15
Legal Description	PUNTA GORDA ISLES SEC23 BLK654 LT 16 762/28-31 1396/175&76 1516/2110 & 2112 2335/69 2939/1134 3261806
Legal Range	23E
Legal Township	40S
Legal Section	09
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	654
Legal Lot Number	16
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1016
Census Tract	20101

Owner

Source: Charlotte County records, as of July 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	9862 BEACH PORT DR, WINTER GARDEN, FL 34787-4493
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CMG MORTGAGE INC
May 23, 2024	Deed of Trust, Mortgage · Commercial Mortgage DOMINION FINANCIAL SERVICES LLC
May 9, 2023	Warranty Deed, Transfer TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2026 · Amount on Record
Deed Sale	Jul 14, 2026 · Amount on Record
Prior Sale	May 9, 2023 · Amount on Record
Deed Document Number	20263663743
Prior Transfer Date	Feb 25, 1995
Prior Transfer Doc	1396000176
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 14, 2026
Property Address	1232 OCEANIC RD, PUNTA GORDA, FL 33983-6368
Document Number	0003663743
Instrument Date	Jul 10, 2026
Instrument	20263663743
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2026
Title Company	TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$413,595.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9862 BEACH PORT DR, WINTER GARDEN, FL 34787-4493

Mortgage

Document Number	0003663744,
Date	Jul 14, 2026
Instrument	20263663744

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1232 OCEANIC RD, PUNTA GORDA, FL 33983-6368
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003409163
Date	May 23, 2024
Instrument	3409163

Lender

Name	DOMINION FINANCIAL SERVICES LLC
Type	Funding / Finance Company
Address	BALTIMORE, MD 21202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 17, 2025

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 9, 2023
Property Address	1232 OCEANIC RD, PUNTA GORDA, FL 33983-6368
Document Number	0003261806
Map Reference	MB 12 PG 2-A-2-Z-41
Instrument Date	May 8, 2023
Instrument	3261806
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$483.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	807 PARADISE WAY, SARASOTA, FL 34242-1826

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 N CARLTON AVE, SARATOGA SPRINGS, UT 84045-3103
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$9,552.00 (+784.44%)	$555,941 (+5,587.38%) Land $61,200 Building $494,741	$555,941 (+650.26%) Land $61,200 Building $494,741
2023	$1,080.00 (-46.9%)	$9,775 (-89.08%)	$74,100 (-17.21%) Land $74,100
2022	$2,034.00	$89,505 Land $89,505	$89,505 Land $89,505

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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 81 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

May also be available: BridgeMAXX Suncoast Broadband.

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