Charlotte County property record for 1303 Observer Ct, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,931 sqft · built 1998 |
| Lot Size | 0.37 acres (16,099 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (Jun 2017) |
| Tax Bill | $6,735 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 402308303005 |
| Primary APN | 402308303005 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,931 sqft Living Area |
| Gross Area | 3,937 sqft |
| 1st Floor Area | 2,931 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 16,099 sqft (0.37 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 336 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 454 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952623247509 |
|---|---|
| Street Address | 1303 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 5 741/1786 862/1489 873/1315 1157/552 1542/1523 1656/743 1764/1997 2939/1134 3108/1427 CT3382/901 3405/76 4207/1194 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 08 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 692 |
| Legal Lot Number | 5 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20101 |
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 | 1303 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 9, 2017 | Warranty Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2017 · Amount on Record |
| Deed Sale | Jun 9, 2017 · Amount on Record |
| Prior Sale | Jul 27, 2009 · Amount on Record |
| Deed Document Number | 20172530030 |
| Deed Book / Page | 4207 / 1194 |
| Prior Transfer Date | Jan 26, 2007 |
| Prior Transfer Doc | 0031081427 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1303 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1303 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0046420217 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 4642/217 |
| Instrument | 2858847 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 9, 2017 |
| Property Address | 1303 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0042071194 |
| Book / Page | 004207 / 001194 |
| Instrument Date | Jun 8, 2017 |
| Instrument | 2530030 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1303 OBSERVER CT PUNTA GORDA FL 339835936, PUNTA GORDA, FL 33983-5936 |
| Document Number | 42071196 |
|---|---|
| Date | Jun 9, 2017 |
| Book Page | 004207/001196 |
| Instrument | 2530031 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 8, 2047 |
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 | $6,735.00 (-15.8%) Homeowner's exemption | $486,461 (+21.22%) Land $38,250 Building $448,211 | $486,461 (+17.54%) Land $38,250 Building $448,211 |
| 2024 | $7,999.00 (+0.06%) | ||
| 2023 | $7,994.00 (+13.7%) | $401,306 (-9.27%) | $413,871 (-6.43%) Land $38,000 Building $375,871 |
| 2022 | $7,031.00 | $442,289 Land $27,200 Building $415,089 | $442,289 Land $27,200 Building $415,089 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures