Charlotte County property record for 1398 Navigator Rd, Punta Gorda, FL 33983 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,117 sqft · built 1987 |
| Lot Size | 0.238 acres (10,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $339,000 (Dec 2025) |
| Tax Bill | $5,072 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-23-09-428-006 |
| Primary APN | 40-23-09-428-006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,117 sqft Living Area |
| Gross Area | 3,029 sqft |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 10,400 sqft (0.238 acres) |
| Garage Area | 441 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 392 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 471 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10004613205 |
|---|---|
| Old Parcel Number | 00952623352804 |
| Street Address | 1398 NAVIGATOR RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-6217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PGI 023 0742 0028 PUNTA GORDA ISLES SEC23 BLK742 LT28 735/98 875/1285 COR883/955 912/513 CORR1064-1075 1439/1150 DC21 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 09 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 742 |
| Legal Lot Number | 28 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20101 |
Source: Charlotte County records · APN 40-23-09-428-006
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1398 NAVIGATOR RD, PUNTA GORDA, FL 33983-6217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 01, 2025 · Amount on Record |
| Deed Sale | Dec 01, 2025 · Amount on Record |
| Prior Sale | Jul 03, 2003 |
| Deed Document Number | 3591643 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Dec 01, 2025 |
| Property Address | 1398 NAVIGATOR RD, PUNTA GORDA, FL 33983-6217 |
| Document Number | 0003591643 |
| Map Reference | MB 12 PG 2-A |
| Instrument Date | Nov 21, 2025 |
| Instrument | 3591643 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2025 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,373.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20371 SW 342ND ST, HOMESTEAD, FL 33034-1320 |
| Name | Verified Name |
|---|---|
| Address | 1398 NAVIGATOR RD, PUNTA GORDA, FL 33983-6217 |
| Document Number | 0003591644 |
|---|---|
| Date | Dec 01, 2025 |
| Instrument | 3591644 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Number | 0003591645 |
|---|---|
| Date | Dec 01, 2025 |
| Instrument | 3591645 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
Source: Charlotte County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,072.00 (+248.59%) | $336,226 (+145.61%) | $306,636 (+3.58%) Land $45,000 Building $261,636 |
| 2023 | $136,894 (+3%) | $296,033 (-6.22%) Land $38,000 Building $258,033 | |
| 2022 | $1,455.00 Homeowner's exemption Widower's exemption | $132,907 | $315,666 Land $27,200 Building $288,466 |
Source: FEMA National Flood Hazard Layer, Charlotte County (12015C), updated September 28, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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