1331 Observer Ct, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 1331 Observer Ct, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,998 sqft · built 2019
Lot Size	0.318 acres (13,830 sqft)
Owner	2 Company Names on Record
Last Sale	$13,000 (Oct 2017)
Tax Bill	$1,968 (2025)
Deeds & Mortgages	Dec 2022 Transfer Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`402308303009`

Property Details

APN / Parcel Number

Primary APN	`402308303009`
Alternative APNs	`00952623247901` `10004611807`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,998 sqft Living Area
Gross Area	2,998 sqft
1st Floor Area	1,998 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,830 sqft (0.318 acres)
Garage Type	Attached
Garage Area	667 sqft
Driveway	Driveway
Driveway Area	750 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Screened Porch
Porch Area	333 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00952623247901
Street Address	1331 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 9 691/1656 864/172 2939/1134 3614/859 3614/861 3883/2070 4245/1707 3193383
Legal Range	23E
Legal Township	40S
Legal Section	08
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	692
Legal Lot Number	9
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	2
Census Block	2006
Census Tract	20101

Owner

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 Company Names on Record
Mailing Address	1331 OBSERVER CT, PUNTA GORDA, FL 33983-5936
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage VALLEY NATIONAL BANK
Feb 15, 2019	Loan Modification, Mortgage VALLEY NAT'L BK
Oct 16, 2017	Quit Claim Deed, Transfer R R TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2017 · Amount on Record
Deed Sale	Oct 16, 2017 · Amount on Record
Deed Document Number	20172558499
Deed Book / Page	4245 / 1707
Last Transfer Date	Dec 22, 2022
Transfer Doc	0003193383
Record Updated	Sep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 22, 2022
Property Address	1331 OBSERVER CT, PUNTA GORDA, FL 33983-5936
Document Number	0003193383
Map Reference	MB 12 PG 2A-2-Z-41
Instrument Date	Dec 22, 2022
Instrument	3193383
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1331 OBSERVER CT, PUNTA GORDA, FL 33983-5936

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1331 OBSERVER CT, PUNTA GORDA, FL 33983-5936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042811831
Date	Feb 14, 2018
Book Page	4281/1831
Instrument	2586859

Lender

Name	VALLEY NATIONAL BANK
Type	Bank
Address	WAYNE, NJ 07470

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLOTTE FL
Property Address	1331 OBSERVER CT, PUNTA GORDA, FL 33983-5936
Document Number	0044070733
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1331 OBSERVER CT PUNTA GORDA FL 339835936, PUNTA GORDA, FL 33983-5936

Mortgage

Document Number	0044070733
Date	Feb 19, 2019
Book Page	004407/000733
Instrument	2684847

Lender

Name	VALLEY NAT'L BK
Type	Bank
Address	1720 STATE ROUTE 23, WAYNE, NJ 07470-7533

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2049

Interest

Rate	3.87%

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 16, 2017
Property Address	1331 OBSERVER CT, PUNTA GORDA, FL 33983-5936
Document Number	0042451707
Book / Page	004245 / 001707
Instrument Date	Oct 12, 2017
Instrument	2558499
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	R R TITLE SERVICES LLC

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26036 NORTHERN CROSS RD PUNTA GORDA FL 339836132, PUNTA GORDA, FL 33983-6132

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 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	$1,968.00 (-30.31%)	$170,459 (+5.99%)	$315,243 (-16.71%) Land $40,800 Building $274,443
2024	$2,824.00 (+1.44%)
2023	$2,784.00 (+8.58%) Homeowner's exemption	$160,830 (+3%)	$378,493 (+6.48%) Land $46,000 Building $332,493
2022	$2,564.00 Homeowner's exemption	$156,146	$355,465 Land $36,550 Building $318,915

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 265 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: Verizon.

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