Charlotte County property record for 1493 Umber Ct, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,052 sqft · built 1988 |
| Lot Size | 0.22 acres (9,599 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $318,000 (Jan 2021) |
| Tax Bill | $4,149 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-23-08-461-003 |
| Primary APN | 40-23-08-461-003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,052 sqft Living Area |
| Gross Area | 2,912 sqft |
| Year Built | Built 1988 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 9,599 sqft (0.22 acres) |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
| Porch | Enclosed/Chattahoochee Porch |
| Porch Area | 460 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10004612267 |
|---|---|
| Old Parcel Number | 00952623272909 |
| Street Address | 1493 UMBER CT |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-6072 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | PGI 023 0706 0019 PUNTA GORDA ISLES SEC23 BLK706 LT19 827/2213 945/1409 2939/1134 PR11-1810-RJS DC2677/5 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 08 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 706 |
| Legal Lot Number | 19 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20101 |
1493 Umber Ct is owner-occupied and held in a trust since January 2021.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1493 UMBER CT, PUNTA GORDA, FL 33983-6072 |
| Occupancy | Owner Occupied |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 13, 2017 | Deed of Trust, Mortgage SUNTRUST BANK |
| Sep 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SUN TRUST BANK |
| Jan 27, 2021 | Warranty Deed, Transfer HOMETOWN TTL & CLOSING SVCS |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jan 27, 2021 · Amount on File |
| Deed Sale | Jan 27, 2021 · Amount on File |
| Prior Sale | Mar 19, 2013 · Amount on File |
| Deed Document Number | 2897380 |
| Deed Book / Page | 4698 / 2063 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1493 UMBER CT, PUNTA GORDA, FL 33983-6072 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042451060 |
|---|---|
| Date | Oct 13, 2017 |
| Book Page | 4245/1060 |
| Instrument | 2558303 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1493 UMBER CT, PUNTA GORDA, FL 33983-6072 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044820047 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 4482/0047 |
| Instrument | 2743233 |
| Name | SUN TRUST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jan 27, 2021 |
| Property Address | 1493 UMBER CT, PUNTA GORDA, FL 33983-6072 |
| Document Number | 0046982063 |
| Book / Page | 4698 / 2063 |
| Map Reference | MB 12 PG 2A-2Z41 |
| Instrument Date | Jan 27, 2021 |
| Instrument | 2897380 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | HOMETOWN TTL & CLOSING SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $2,226.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1493 UMBER CT, 1493, PUNTA GORDA, FL 33983-6072 |
| Name | Verified Name |
|---|---|
| Address | 1493 UMBER CT, PUNTA GORDA, FL 33983-6072 |
The 2025 property tax bill for 1493 Umber Ct was $4,149 with a homeowner's exemption.
Source: Charlotte County assessment roll, as of July 1, 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 | $4,149.00 Homeowner's exemption | $315,087 | $353,039 Land $45,000 Building $308,039 |
| 2023 | $5,246.00 (+5.55%) Homeowner's exemption | $317,012 (+3%) | $335,157 (+8.9%) Land $38,000 Building $297,157 |
| 2022 | $4,970.00 Homeowner's exemption | $307,779 Land $27,200 Building $280,579 | $307,779 Land $27,200 Building $280,579 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1493 Umber Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.
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 File 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 risk around 1493 Umber Ct is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 95% 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.
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 269 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 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
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