Charlotte County property record for 1325 Observer Ct, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,400 sqft · built 1987 |
| Lot Size | 0.266 acres (11,575 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $121,000 (Aug 2014) |
| Tax Bill | $3,276 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 402308303008 |
| Primary APN | 402308303008 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| Gross Area | 2,056 sqft |
| 1st Floor Area | 1,400 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,575 sqft (0.266 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed/Screened Porch |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952623247803 |
|---|---|
| Street Address | 1325 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 8 837/1662 907/1039-40 DC1637/1553 2034/278 2939/1134 DC3288/177-CJF AFF3288/179 3288/182 3763/763 3867/872 3893/1994 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 08 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 692 |
| Legal Lot Number | 8 |
| 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 | 1200 E PEPPERTREE LN, 405, SARASOTA, FL 34242-8711 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2014 · Amount on Record |
| Deed Sale | Aug 19, 2014 · Amount on Record |
| Prior Sale | May 16, 2014 · Amount on Record |
| Deed Document Number | 20142288547 |
| Deed Book / Page | 3893 / 1994 |
| Prior Transfer Date | May 7, 2008 |
| Prior Transfer Doc | 0032880182 |
| Record Updated | Jun 8, 2026 |
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 | $3,276.00 (-21.36%) | $231,056 (+34.86%) Land $38,250 Building $192,806 | $231,056 (+22.74%) Land $38,250 Building $192,806 |
| 2024 | $4,166.00 (+2.84%) | ||
| 2023 | $4,051.00 (+20.67%) | $171,332 (-5.77%) | $188,253 (+3.53%) Land $38,000 Building $150,253 |
| 2022 | $3,357.00 | $181,829 Land $27,200 Building $154,629 | $181,829 Land $27,200 Building $154,629 |
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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