16428 Marsh Ln, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 16428 Marsh Ln, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,778 sqft · built 2024
Lot Size	0.257 acres (11,187 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Dec 2024)
Tax Bill	$8,628 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422628200151`

Property Details

APN / Parcel Number

Primary APN	`422628200151`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,778 sqft Living Area
Gross Area	3,758 sqft
1st Floor Area	2,778 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	11,187 sqft (0.257 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	670 sqft
Driveway	Driveway
Driveway Area	588 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	16428 MARSH LN
City	PUNTA GORDA
State	FL
Zip	33982-6151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOZD
Legal Description	BABCOCK RANCH COMM CRESCENT LAKES PHASE 1 LOT 2633 3398606 3479354
Legal Subdivision	BABCOCK RANCH COMM CRESCENT LAKES PHASE
Legal Block	1
Legal Lot Number	2633
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1064
Census Tract	10100

Owner

Source: Charlotte County records, as of July 2, 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	16428 MARSH LN, PUNTA GORDA, FL 33982-6151
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 8, 2025	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Dec 26, 2024	Warranty Deed, Transfer NEW MARKET TITLE LLC
Apr 26, 2024	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2024 · Amount on Record
Deed Sale	Dec 26, 2024 · Amount on Record
Prior Sale	Apr 26, 2024 · Amount on Record
Deed Document Number	20243479354
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 10, 2026
Property Address	16428 MARSH LN, PUNTA GORDA, FL 33982-6151
Document Number	0003663000
Instrument Date	Jun 30, 2026
Instrument	20263663000
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	MARKET TITLE, NEW MARKET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$371,167.93
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16428 MARSH LN, PUNTA GORDA, FL 33982-6151

Mortgage

Document Number	0003663001,
Date	Jul 10, 2026
Instrument	20263663001

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	16428 MARSH LN, PUNTA GORDA, FL 33982-6151
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16428 MARSH LN, PUNTA GORDA, FL 33982-6151

Mortgage

Document Number	0003576034
Date	Oct 8, 2025
Instrument	3576034

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 26, 2024
Property Address	16428 MARSH LN, PUNTA GORDA, FL 33982-6151
Document Number	0003479354
Map Reference	MB 26 PG 14A-14O
Instrument Date	Dec 20, 2024
Instrument	3479354
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	NEW MARKET TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15214 JADESTONE DR, PUNTA GORDA, FL 33982-2738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16428 MARSH LN, PUNTA GORDA, FL 33982-6151

April 2024: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 26, 2024
Property Address	16428 MARSH LN, PUNTA GORDA, FL 33982-6151
Document Number	0003398606
Map Reference	MB 26 PG 14A-14O
Instrument Date	Apr 24, 2024
Instrument	3398606
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 11, 2025
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,978.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1395 UNIVERSITY BLVD STE 300, 300, JUPITER, FL 33458-5382

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16428 MARSH LN, PUNTA GORDA, FL 33982-6151

Mortgage

Document Number	0003398607
Date	Apr 26, 2024
Instrument	3398607

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

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	$8,628.00 (+105.97%)	$396,548	$440,484 Land $60,775 Building $379,709
2024	$4,189.00

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 518 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	870 units insured incl. 352 condo units
Nearby Flood Claims	11 (1995–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Irma, Sep 2017 · 4 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	High above 86% of the US · above 79% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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	TOWN AND COUNTRY UTILITY private · serves 13,427 people · EPA ID FL5084116
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	940 / 940
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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