Charlotte County property record for 1317 Observer Ct, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,958 sqft · built 1990 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Nov 2018) |
| Tax Bill | $2,593 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 402308303007 |
| Primary APN | 402308303007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,958 sqft Living Area |
| Gross Area | 2,804 sqft |
| 1st Floor Area | 1,958 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 9,600 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed/Screened Porch |
| Porch Area | 426 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 00952623247705 |
|---|---|
| Street Address | 1317 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 7 734/1094 1046/228 1198/1618 DC1232/912-JK 2175/395 2939/1134 3917/344 AFF4381/1265 AFF4381/1267-EM 4381/1268 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 08 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 692 |
| Legal Lot Number | 7 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1317 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LAKE MICHIGAN CU |
| Nov 21, 2018 | Warranty Deed, Transfer · Conventional with PMI LAKE MI CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2018 · Amount on Record |
| Deed Sale | Nov 21, 2018 · Amount on Record |
| Prior Sale | Feb 21, 2003 · Amount on Record |
| Deed Document Number | 20182663812 |
| Deed Book / Page | 4381 / 1268 |
| Prior Transfer Date | Oct 18, 2014 |
| Prior Transfer Doc | 0039170344 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1317 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0047601947 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 4760/1947 |
| Instrument | 2940699 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Nov 21, 2018 |
| Property Address | 1317 OBSERVER CT, PUNTA GORDA, FL 33983-5936 |
| Document Number | 0043811268 |
| Book / Page | 004381 / 001268 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 2663812 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,295.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1317 OBSERVER CT PUNTA GORDA FL 339835936, PUNTA GORDA, FL 33983-5936 |
| Document Number | 43811270 |
|---|---|
| Date | Nov 21, 2018 |
| Book Page | 004381/001270 |
| Instrument | 2663813 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 20, 2048 |
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 | $2,593.00 (-24.4%) Homeowner's exemption | $211,923 (+5.99%) | $273,168 (+2.14%) Land $38,250 Building $234,918 |
| 2024 | $3,430.00 (+1%) | ||
| 2023 | $3,396.00 (+7.4%) Homeowner's exemption | $199,951 (+3%) | $267,450 (-5.19%) Land $38,000 Building $229,450 |
| 2022 | $3,162.00 Homeowner's exemption | $194,127 | $282,095 Land $27,200 Building $254,895 |
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.
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