1282 Navigator Rd, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 1282 Navigator Rd, Punta Gorda, FL 33983

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.499 acres (21,726 sqft)
Owner	Company Name on Record
Last Sale	$35,000 (Sep 2024)
Tax Bill	$807 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`402309287002`

Property Details

APN / Parcel Number

Primary APN	`402309287002`
Alternative APNs	`00952623348507` `10004612850`

Exterior

Lot Area	21,726 sqft (0.499 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	00952623348507
Street Address	1282 NAVIGATOR RD
City	PUNTA GORDA
State	FL
Zip	33983-6473
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RMF15
Legal Description	PUNTA GORDA ISLES SEC23 BLK741 LT 5 837/1662-73 906/87 1037-2079 2939/1134 3445652
Legal Range	23E
Legal Township	40S
Legal Section	09
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	741
Legal Lot Number	5
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1015
Census Tract	20101

Owner

Source: Charlotte County records, as of May 18, 2026

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

Owner of Record	Company Name on Record
Mailing Address	12352 COUNTRY DAY CIR, FORT MYERS, FL 33913-7626
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC
Jan 24, 2025	Deed of Trust, Mortgage · Commercial Mortgage DOMINION FINANCIAL SERVICES LLC
Sep 4, 2024	Warranty Deed, Transfer TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2024 · Amount on Record
Deed Sale	Sep 4, 2024 · Amount on Record
Deed Document Number	20243445652
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Recording Date	May 1, 2026
Property Address	1282 NAVIGATOR RD, PUNTA GORDA, FL 33983-6473
Document Number	0003640011
Instrument Date	Apr 28, 2026
Instrument	20263640011
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0003640011,
Date	May 1, 2026
Instrument	20263640011

Lender

Name	OCMBC INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1282 NAVIGATOR RD, PUNTA GORDA, FL 33983-6473
Transaction Type	Mortgage
Record Updated	Dec 11, 2025
Title Company	TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20043 NAPA LOOP, ESTERO, FL 33928-9663
Investor	Possibly a Property Investor

Mortgage

Document Number	0003487527
Date	Jan 24, 2025
Instrument	3487527

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	Jan 22, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 4, 2024
Property Address	1282 NAVIGATOR RD, PUNTA GORDA, FL 33983-6473
Document Number	0003445652
Map Reference	MB 12 PG 2A-2Z41
Instrument Date	Aug 30, 2024
Instrument	3445652
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	TITLE EXPRESS COMPANY, TITLE EXPERTS AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	134 CATHERINE DR, MERIDEN, CT 06450-2076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12352 COUNTRY DAY CIR, FORT MYERS, FL 33913-7626
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	$807.00 (-11.71%)	$53,550 (+599.63%) Land $53,550	$53,550 (-21.54%) Land $53,550
2024	$914.00 (+1.78%)
2023	$898.00 (+37.52%)	$7,654 (-80.51%)	$68,250 (+73.8%) Land $68,250
2022	$653.00	$39,270 Land $39,270	$39,270 Land $39,270

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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
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 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.

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.

Nearby Properties on Navigator Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures