1286 Observer Ct, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 1286 Observer Ct, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,627 sqft · built 2002
Lot Size	0.609 acres (26,527 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Nov 2020)
Tax Bill	$4,269 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Nov 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`402308160001`

Property Details

APN / Parcel Number

Primary APN	`402308160001`
Alternative APNs	`00952623235102` `10004611429`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,627 sqft Living Area
Gross Area	3,533 sqft
1st Floor Area	2,627 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	26,527 sqft (0.609 acres)
Garage Type	Attached
Garage Area	638 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Pool Area	364 sqft
Porch	Slab
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00952623235102
Street Address	1286 OBSERVER CT
City	PUNTA GORDA
State	FL
Zip	33983-5935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PUNTA GORDA ISLES SEC23 BLK687 LT1 & BLK 692 LT 14 671/716 870/2034 1578/166 DC1613/989 PR98-590 1620/838 1780/1956 1881/1926 1881/1969 2939/1134 3982/1418 4440/534 4668/687
Legal Range	23E
Legal Township	40S
Legal Section	08
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	687,6
Legal Lot Number	1,14
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	2
Census Block	2006
Census Tract	20101

Owner

Source: Charlotte County records, as of November 19, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	1286 OBSERVER CT, PUNTA GORDA, FL 33983-5935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Nov 30, 2020	Warranty Deed, Transfer BURNT STORE TITLE AND ESCROW LLC, BURNT STORE TITLE & ESCROW LLC
May 31, 2019	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK
May 20, 2019	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	May 20, 2019 · Amount on Record
Deed Document Number	20202877082
Deed Book / Page	4668 / 687
Prior Transfer Date	Jun 9, 2015
Prior Transfer Doc	0039821418
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1286 OBSERVER CT, PUNTA GORDA, FL 33983-5935
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044461074
Date	Jun 5, 2019
Book Page	4446/1074
Instrument	2715903

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 30, 2020
Property Address	1286 OBSERVER CT, PUNTA GORDA, FL 33983-5935
Document Number	0046680687
Book / Page	004668 / 000687
Instrument Date	Nov 16, 2020
Instrument	2877082
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	BURNT STORE TITLE AND ESCROW LLC, BURNT STORE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$2,520.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1286 OBSERVER CT PUNTA GORDA FL 339835935, PUNTA GORDA, FL 33983-5935

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1286 OBSERVER CT, PUNTA GORDA, FL 33983-5935
Document Number	0044461074
Instrument Date	May 31, 2019
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1286 OBSERVER CT PUNTA GORDA FL 339835935, PUNTA GORDA, FL 33983-5935

Mortgage

Document Number	0044461074
Date	Jun 5, 2019
Book Page	004446/001074
Instrument	2715903

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2049

Interest

Rate Type	Adjustable Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 20, 2019
Property Address	1286 OBSERVER CT, PUNTA GORDA, FL 33983-5935
Document Number	0044400534
Book / Page	4440 / 0534
Map Reference	MB 12 PG 2A-2Z41
Instrument Date	May 17, 2019
Instrument	2711071
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	BURNT STORE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,156.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2131 BERMUDA ST, 2131, PORT CHARLOTTE, FL 33980-5705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1286 OBSERVER CT, PUNTA GORDA, FL 33983-5935

Mortgage

Document Number	0004440536
Date	May 20, 2019
Instrument	4440/536

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$4,269.00 (-16.46%) Homeowner's exemption	$322,994 (+5.99%)	$434,940 (+4.7%) Land $76,500 Building $358,440
2024	$5,110.00 (+0.37%)
2023	$5,091.00 (+5.62%) Homeowner's exemption	$304,749 (+3%)	$415,429 (+3.66%) Land $76,000 Building $339,429
2022	$4,820.00 Homeowner's exemption	$295,873	$400,760 Land $54,400 Building $346,360

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

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 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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% 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 265 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: Verizon.

Nearby Properties on Observer Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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