1248 Navigator Rd, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 1248 Navigator Rd, Punta Gorda, FL 33983

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 2,092 sqft · built 2023
Lot Size	0.483 acres (21,018 sqft)
Owner	Individual Name on File
Last Sale	$493,900 (Apr 2023)
Tax Bill	$6,303 (2025)
Deeds & Mortgages	Dec 2022 Construction Loan Dec 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`402309283004`

Property Details

APN / Parcel Number

Primary APN	`402309283004`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,092 sqft Living Area
Gross Area	2,770 sqft
1st Floor Area	2,092 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	21,018 sqft (0.483 acres)
Garage Type	Attached
Garage Area	470 sqft
Driveway	Driveway
Driveway Area	1 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1248 NAVIGATOR RD
City	PUNTA GORDA
State	FL
Zip	33983-6473
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RMF15
Legal Description	PUNTA GORDA ISLES SEC23 BLK653 LT2 751/1749 1144/2161 1170/2010 2066/1117 2199/159 2939/1134 4163/1565 4414/2060 3250132
Legal Range	23E
Legal Township	40S
Legal Section	09
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	653
Legal Lot Number	2
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1009
Census Tract	20101

Owner

1248 Navigator Rd, a duplex, is owned by an individual who bought it in April 2023.

Source: Charlotte County records, as of March 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	835 BLAIR ST, BOHEMIA, NY 11716-3603
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Construction Mortgage GENESIS CAPITAL LLC
Dec 21, 2022	Deed of Trust, Mortgage · Line of Credit GENESIS CAPITAL LLC
Apr 14, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MICHIGAN MUTUAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2023 · Amount on File
Deed Sale	Apr 14, 2023 · Amount on File
Deed Document Number	20233250132
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1248 NAVIGATOR RD, PUNTA GORDA, FL 33983-6473
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0003191899
Date	Dec 21, 2022
Instrument	3191899

Lender

Name	GENESIS CAPITAL LLC
Type	Mortgage Company
Address	SHERMAN OAKS, CA 91403

Agreement

Type	Construction Mortgage
Amount	Amount on Record

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1248 NAVIGATOR RD, PUNTA GORDA, FL 33983-6473
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0003191898
Date	Dec 21, 2022
Instrument	3191898

Lender

Name	GENESIS CAPITAL LLC
Type	Mortgage Company
Address	SHERMAN OAKS, CA 91403

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 14, 2023
Property Address	1248 NAVIGATOR RD, PUNTA GORDA, FL 33983-6473
Document Number	0003250132
Map Reference	MB 12 PG 2A-2241
Instrument Date	Apr 11, 2023
Instrument	3250132
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 22, 2023
Title Company	CORE TITLE SERVICES LLC, ANCHOR TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,457.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5711 RICHARD ST STE 1, 1, JACKSONVILLE, FL 32216-5956

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	835 BLAIR ST, BOHEMIA, NY 11716-3603

Mortgage

Document Number	0003250133
Date	Apr 14, 2023
Instrument	3250133

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1248 Navigator Rd was $6,303, down 23% 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	$6,303.00 (-23.01%)	$417,877 Land $53,550 Building $364,327	$417,877 Land $53,550 Building $364,327
2024	$8,187.00 (+613.15%)
2023	$1,148.00 (+32.72%)	$28,079 (-28.5%)	$68,250 (+73.8%) Land $68,250
2022	$865.00	$39,270 Land $39,270	$39,270 Land $39,270

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

Flood

FEMA maps place 1248 Navigator Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2004.

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
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 1248 Navigator Rd is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% 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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