Charlotte County property record for 1281 Observer Ct, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,783 sqft · built 1986 |
| Lot Size | 0.239 acres (10,427 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,000 (Jun 2018) |
| Tax Bill | $3,287 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 402308303002 |
| Primary APN | 402308303002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,783 sqft Living Area |
| Gross Area | 2,624 sqft |
| 1st Floor Area | 1,783 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 10,427 sqft (0.239 acres) |
| Garage Type | Attached |
| Garage Area | 439 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 338 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 402 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952623247206 |
|---|---|
| Street Address | 1281 OBSERVER CT |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-5936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | PUNTA GORDA ISLES SEC23 BLK692 LT 2 832/1704 895/1362 1012/1130&31 2939/1134 DC3462/99-SAB 4328/942 FJ4872/1954 4925/1009 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 08 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 692 |
| Legal Lot Number | 2 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20101 |
Source: Charlotte County records, as of July 27, 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 | 1281 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Jul 10, 2026 | Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING |
| Feb 10, 2022 | Intrafamily Transfer, Transfer |
| Sep 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 19, 2018 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2018 · Amount on Record |
| Deed Sale | Jun 19, 2018 · Amount on Record |
| Deed Document Number | 20182622552 |
| Deed Book / Page | 4328 / 942 |
| Last Transfer Date | Feb 10, 2022 |
| Transfer Doc | 0049251009 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jul 10, 2026 |
| Property Address | 1281 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0003662885 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 20263662885 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1281 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0003662885, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 20263662885 |
| Name | LAKEVIEW LOAN SERVICING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 28, 2046 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Feb 10, 2022 |
| Property Address | 1281 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0049251009 |
| Book / Page | 4925 / 1009 |
| Instrument Date | Feb 10, 2022 |
| Instrument | 3057677 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1636 WHITE PINE CT, 1636, PUNTA GORDA, FL 33950-2247 |
| Name | Verified Name |
|---|---|
| Address | 1281 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1281 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1281 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0048471118 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 4847/1118 |
| Instrument | 3002069 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 19, 2018 |
| Property Address | 1281 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0043280942 |
| Book / Page | 4328 / 0942 |
| Map Reference | MB12 PG2A-2Z41 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 2622552 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | HOMETOWN TITLE & CLOSING SVC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,533.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 306 HICKORY SPRINGS CT, 306, DEBARY, FL 32713-4811 |
| Name | Verified Name |
|---|---|
| Address | 1281 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0002622553 |
|---|---|
| Date | Jun 19, 2018 |
| Instrument | 2622553 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
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 | $3,287.00 (+2.56%) Homeowner's exemption | $196,553 (+7.87%) | $288,369 (+33.15%) Land $38,250 Building $250,119 |
| 2024 | $3,205.00 (+2.79%) | ||
| 2023 | $3,118.00 (+7.85%) Homeowner's exemption | $182,221 (+3%) | $216,580 (-5.59%) Land $38,000 Building $178,580 |
| 2022 | $2,891.00 Homeowner's exemption | $176,914 | $229,403 Land $27,200 Building $202,203 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 82 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 82 in force |
| Nearby Flood Claims | 3 (2005–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% 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 294 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ethx Fixed Wireless | 500 / 50 |
May also be available: CenturyLink, Hotwire Communications, Ripple Fiber, Verizon.
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