Charlotte County property record for 1309 Observer Ct, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,739 sqft · built 1989 |
| Lot Size | 0.291 acres (12,652 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Aug 2024) |
| Tax Bill | $3,760 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jun 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 402308303006 |
| Primary APN | 402308303006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,739 sqft Living Area |
| Gross Area | 2,394 sqft |
| 1st Floor Area | 1,739 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 12,652 sqft (0.291 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 312 sqft |
|---|---|
| Porch | Enclosed/Screened Porch |
| Porch Area | 195 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952623247607 |
|---|---|
| Street Address | 1309 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 6 861/1709 985/1436 1001/1698 POA1438/155 1438/154 2110/956 2939/1134 3135/1780 3537/15 4289/457 POA2866499 3440891 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 08 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 692 |
| Legal Lot Number | 6 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 20101 |
Source: Charlotte County records, as of April 16, 2026
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 | 1309 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · VA Mortgage TEXANA BANK NA |
| Jun 17, 2025 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage CMG MORTGAGE INC |
| Mar 6, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2024 · Amount on Record |
| Deed Sale | Aug 21, 2024 · Amount on Record |
| Prior Sale | Mar 6, 2018 · Amount on Record |
| Deed Document Number | 20243440891 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1309 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1309 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0003628272 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | 3628272 |
| Name | TEXANA BANK NA |
|---|---|
| Type | Bank |
| Address | LINDEN, TX 75563 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1309 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1309 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0003538730 |
|---|---|
| Date | Jun 17, 2025 |
| Instrument | 3538730 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1309 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NETCO |
| Name | Verified Name |
|---|---|
| Address | 1309 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0046521804 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 4652/1804 |
| Instrument | 2866500 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN RAMON, CA 94583 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Mar 6, 2018 |
| Property Address | 1309 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0042890457 |
| Book / Page | 004289 / 000457 |
| Instrument Date | Feb 20, 2018 |
| Instrument | 2592322 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $433.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1309 OBSERVER CT PUNTA GORDA FL 339835936, PUNTA GORDA, FL 33983-5936 |
Source: Charlotte County assessment roll, as of March 4, 2026
| 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 | $3,760.00 (+87.62%) Homeowner's exemption | $289,292 (+166.93%) Land $38,250 Building $251,042 | $289,292 (+25.47%) Land $38,250 Building $251,042 |
| 2024 | $2,004.00 (+2.45%) | ||
| 2023 | $1,956.00 (+11.45%) Homeowner's exemption | $108,377 (+3%) | $230,566 (-4.29%) Land $38,000 Building $192,566 |
| 2022 | $1,755.00 Homeowner's exemption | $105,220 | $240,891 Land $27,200 Building $213,691 |
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.
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