Charlotte County property record for 1291 Observer Ct, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,161 sqft · built 2023 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $289,281 (Jul 2023) |
| Tax Bill | $4,577 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jan 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-23-08-303-003 |
| Primary APN | 40-23-08-303-003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,161 sqft Living Area |
| Gross Area | 2,785 sqft |
| Flooring | Covered |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Composition/Composite |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 9,600 sqft (0.22 acres) |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Pool Area | 198 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004611801 |
|---|---|
| Old Parcel Number | 00952623247304 |
| Street Address | 1291 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 | PGI 023 0692 0003 PUNTA GORDA ISLES SEC23 BLK692 LT3 767/2045 2262/621 2474/1012 2939/1134 4693/2107 3286224 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 08 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 692 |
| Legal Lot Number | 3 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20101 |
Source: Charlotte County records, as of December 10, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1291 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 5, 2023 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RMC HOME MORTGAGE LLC |
| Jan 19, 2021 | Special Warranty Deed, Transfer STEEL CITY TITLE INC, STEEL CITY TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2023 · Amount on Record |
| Deed Sale | Jul 5, 2023 · Amount on Record |
| Prior Sale | Jan 19, 2021 · Amount on Record |
| Deed Document Number | 3286224 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jul 5, 2023 |
| Property Address | 1291 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0003286224 |
| Map Reference | MB 12 PG 2A-2Z-41 |
| Instrument Date | Jun 21, 2023 |
| Instrument | 3286224 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | STEEL CITY TITLE INC, STEEL CITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,025.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2286 W 1ST ST, FORT MYERS, FL 33901-3308 |
| Name | Verified Name |
|---|---|
| Address | 1291 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0003286225 |
|---|---|
| Date | Jul 5, 2023 |
| Instrument | 3286225 |
| Name | RMC HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jan 19, 2021 |
| Property Address | 1291 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0046932107 |
| Book / Page | 4693 / 2107 |
| Map Reference | MB 12 PG 2A-2Z-41 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 2893898 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | STEEL CITY TITLE INC, STEEL CITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $147.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 535 GATES ST, PHILADELPHIA, PA 19128-2510 |
| Name | Verified Name |
|---|---|
| Address | 9416 CAMDEN FIELD PKWY, RIVERVIEW, FL 33578-0519 |
Source: Charlotte County assessment roll, as of July 1, 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 | $4,577.00 (+454.12%) Homeowner's exemption | $343,419 (+1,569.51%) | $453,151 (+1,092.5%) Land $45,000 Building $408,151 |
| 2023 | $826.00 (+25.53%) | $20,570 (-24.38%) | $38,000 (+39.71%) Land $38,000 |
| 2022 | $658.00 | $27,200 Land $27,200 | $27,200 Land $27,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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