1301 Navigator Rd, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 1301 Navigator Rd, Punta Gorda, FL 33983

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 4,288 sqft · built 2019
Lot Size	1.02 acres (44,814 sqft)
Owner	2 Individual Names on Record
Last Sale	$11,000 (Dec 2017)
Tax Bill	$3,966 (2025)
Deeds & Mortgages	Mar 2023 Transfer Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-23-09-286-001`

Property Details

APN / Parcel Number

Primary APN	`40-23-09-286-001`
Alternative APNs	`0095262-334510-7` `10004612846`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	1 Story
Building Area	4,288 sqft Total Area
Gross Area	7,341 sqft
Flooring	Covered

Exterior

Year Built	Built 2019
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	44,814 sqft (1.02 acres)
Garage Area	905 sqft
Driveway	Driveway
Driveway Area	2 sqft
Parking Spaces	8 Parking Spaces
Porch	Porch
Porch Area	1,185 sqft
Water Feature	Water Feature

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004612846
Old Parcel Number	00952623345107
Street Address	1301 NAVIGATOR RD
City	PUNTA GORDA
State	FL
Zip	33983-6218
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RMF15
Legal Description	PGI 023 0739 0011 PUNTA GORDA ISLES SEC23 BLK739 LT 11 837/1662-73 905/633 982/879 990/150 1576/1571-75 1642/
Legal Range	23E
Legal Township	40S
Legal Section	09
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	739
Legal Lot Number	11
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1007
Census Tract	20101

Owner

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	2 Individual Names on Record
Co-owner	2 Co-owners on Record
Mailing Address	26531 EXPLORER RD, PUNTA GORDA, FL 33983-6471
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2023	Intrafamily Transfer, Transfer
Mar 27, 2020	Deed of Trust, Mortgage MORTGAGE FIRM
May 10, 2018	Trustee's Deed, Construction Loan · Line of Credit FIRST ST BK/ARCADIA
Dec 28, 2017	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Dec 28, 2017 · Amount on Record
Deed Sale	Dec 28, 2017 · Amount on Record
Prior Sale	Dec 28, 2017 · Amount on Record
Deed Document Number	0042680122
Deed Book / Page	004268 / 000122
Last Transfer Date	Mar 16, 2023
Transfer Doc	0003235388
Record Updated	Jun 8, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 16, 2023
Property Address	1301 NAVIGATOR RD, PUNTA GORDA, FL 33983-6218
Document Number	0003235388
Map Reference	MB 837 PG 1662
Instrument Date	Mar 15, 2023
Instrument	3235388
Transaction Type	Transfer
Record Updated	Mar 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	311 PARAMARIBO ST, PUNTA GORDA, FL 33983-5854

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 NAVIGATOR RD, PUNTA GORDA, FL 33983-6218

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1301 NAVIGATOR RD, PUNTA GORDA, FL 33983-6218
Document Number	0045591338
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	OCEANSIDE TITLE AND ESCROW, OCEANSIDE TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1301 NAVIGATOR RD PUNTA GORDA FL 339836218, PUNTA GORDA, FL 33983-6218

Mortgage

Document Number	0045591338
Date	Apr 2, 2020
Book Page	004559/001338
Instrument	2801074

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

May 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 10, 2018
Property Address	1301 NAVIGATOR RD, PUNTA GORDA, FL 33983-6218
Document Number	0043140360
Book / Page	004314 / 000360
Instrument Date	Apr 23, 2018
Instrument	2611430
Transaction Type	Construction Loan
Record Updated	Jun 8, 2018
Title Company	ARCADIA ABSTRACT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	311 PARAMARIBO ST PUNTA GORDA FL 339835854, PUNTA GORDA, FL 33983-5854

Mortgage

Document Number	43140360
Date	May 10, 2018
Book Page	004314/000360
Instrument	2611430

Lender

Name	FIRST ST BK/ARCADIA
Type	Bank
Address	ARCADIA, FL 34266

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2048

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 28, 2017
Property Address	1301 NAVIGATOR RD, PUNTA GORDA, FL 33983-6218
Document Number	0042680122
Book / Page	004268 / 000122
Instrument Date	Dec 22, 2017
Instrument	2575750
Transaction Type	Transfer
Record Updated	Jan 15, 2018
Title Company	HOMETOWN TITLE AND CLOSING SERVICES

Transaction

Amount	Amount Recorded
Tax	$77.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	311 PARAMARIBO ST PUNTA GORDA FL 339835854, PUNTA GORDA, FL 33983-5854

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 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	$3,966.00 (-30.16%) Homeowner's exemption	$302,906 (+5.99%)	$939,985 (-4.23%) Land $187,500 Building $752,485
2023	$5,679.00 (+8.07%) Homeowner's exemption	$285,795 (+3%)	$981,532 (+71.76%) Land $240,000 Building $741,532
2022	$5,255.00 Homeowner's exemption	$277,471	$571,443 Land $184,875 Building $386,568

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

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