1438 Navigator Rd, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 1438 Navigator Rd, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,000 sqft · built 1991
Lot Size	0.239 acres (10,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Sep 2025)
Tax Bill	$5,368 (2025)
Deeds & Mortgages	May 2026 Sale Jun 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`402309428011`

Property Details

APN / Parcel Number

Primary APN	`402309428011`
Alternative APNs	`00952623352305` `10004613210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,000 sqft Living Area
Gross Area	2,792 sqft
Upper Floors Area	540 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	10,400 sqft (0.239 acres)
Garage Type	Attached
Garage Area	452 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	340 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00952623352305
Street Address	1438 NAVIGATOR RD
City	PUNTA GORDA
State	FL
Zip	33983-6288
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PUNTA GORDA ISLES SEC23 BLK742 LT23 660/1341 926/1293 DC952/1975 1143/609 1149/1028 POA1756/1459 2939/1134 4235/2041 3251805 3255356
Legal Range	23E
Legal Township	40S
Legal Section	09
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	742
Legal Lot Number	23
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	3
Census Block	3000
Census Tract	20101

Owner

Source: Charlotte County records, as of June 4, 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	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 13, 2022	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Sep 24, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 25, 2023	Quit Claim Deed, Transfer Quitclaim
Apr 18, 2023	Warranty Deed, Construction Loan · Construction Mortgage SKY 18 SERIES 12 LLC
Sep 6, 2017	Warranty Deed, Transfer · FHA Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Apr 18, 2023 · Amount on Record
Deed Document Number	20253571227
Last Transfer Date	May 21, 2026
Transfer Doc	0003647274
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 22, 2026
Property Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288
Document Number	0003647274
Instrument Date	May 21, 2026
Instrument	20263647274
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288
Transaction Type	Mortgage
Record Updated	Oct 15, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288

Mortgage

Document Number	0050010315
Date	Jun 13, 2022
Book Page	5001/315
Instrument	3114884

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	304 Months
Due	Oct 1, 2047

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 24, 2025
Property Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288
Document Number	0003571227
Map Reference	MB 12 PG 2
Instrument Date	Sep 24, 2025
Instrument	3571227
Transaction Type	Transfer
Record Updated	Oct 15, 2025
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	ENCINOS DE CAYALA 6 CASA 21, 6, GUATEMALA XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288

Mortgage

Document Number	0003571228
Date	Sep 24, 2025
Instrument	3571228

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 25, 2023
Property Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288
Document Number	0003255356
Map Reference	MB 12 PG 2-A-2-Z-41
Instrument Date	Apr 20, 2023
Instrument	3255356
Transaction Type	Transfer
Record Updated	May 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6700 WINKLER RD STE 3, 3, FORT MYERS, FL 33919-7235

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6700 WINKLER RD STE 3, 3, FORT MYERS, FL 33919-7235

April 2023: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 18, 2023
Property Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288
Document Number	0003251805
Map Reference	MB 12 PG 2A-2-Z-4I
Instrument Date	Apr 5, 2023
Instrument	3251805
Transaction Type	Construction Loan
Record Updated	Jun 2, 2023
Title Company	TITLE TOWN LLC, TITLE NOW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 EDMUND ST, PUNTA GORDA, FL 33950-6932

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E HORATIO AVE STE 110, 110, MAITLAND, FL 32751-4560
Investor	Possibly a Property Investor

Mortgage

Document Number	0003251806
Date	Apr 18, 2023
Instrument	3251806

Lender

Name	SKY 18 SERIES 12 LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	May 1, 2024

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 6, 2017
Property Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288
Document Number	0042352041
Book / Page	4235 / 2041
Map Reference	MB12 PG2-A-2Z-41
Instrument Date	Sep 5, 2017
Instrument	2550866
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	HOMETOWN TITLE & CLOSING SVC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,078.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25264 ZODIAC LN, 25264, PUNTA GORDA, FL 33983-5926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1438 NAVIGATOR RD, PUNTA GORDA, FL 33983-6288

Mortgage

Document Number	0002550867
Date	Sep 6, 2017
Instrument	2550867

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$5,368.00 (-12.34%)	$294,491 (-14.27%) Land $38,250 Building $256,241	$294,491 (+11.49%) Land $38,250 Building $256,241
2024	$6,124.00 (-1.51%)	$343,506 (+1.44%)	$264,134 (+1.44%) Land $43,000 Building $221,134
2023	$6,218.00 (+96.21%)	$338,645 (+74.15%)	$260,396 (+2.96%) Land $38,000 Building $222,396
2022	$3,169.00 Homeowner's exemption	$194,455	$252,919 Land $27,200 Building $225,719

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 72 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	72 in force
Nearby Flood Claims	12 (1995–2022)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 3 claims

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.06% 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 81 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: BridgeMAXX Suncoast Broadband.

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