17850 Saddle Rd, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 17850 Saddle Rd, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,268 sqft · built 2022
Lot Size	0.137 acres (6,001 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Feb 2025)
Tax Bill	$3,106 (2025)
Deeds & Mortgages	Apr 2024 Transfer Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`42-26-32-100-002`

Property Details

APN / Parcel Number

Primary APN	`42-26-32-100-002`
Alternative APN	`42-26-32-238-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
Gross Area	1,792 sqft
Flooring	Covered

Exterior

Year Built	Built 2022
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,001 sqft (0.137 acres)
Driveway	Driveway
Driveway Area	320 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	17850 SADDLE RD
City	PUNTA GORDA
State	FL
Zip	33982-5148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOZD
Legal Description	BTC 001 0000 2059 BABCOCK COMMUNITY TOWN CENTER SOUTHEAST LOT 2059 3193506 3399192 3492117
Legal Lot Number	2059
Legal Unit	Y
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 December 10, 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 Record
Co-owner	Co-owner on Record
Mailing Address	17100 TERRAVERDE CIR, FORT MYERS, FL 33908-4403
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Mar 3, 2023	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC
Dec 22, 2022	Special Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jul 7, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2025 · Amount on Record
Deed Sale	Feb 6, 2025 · Amount on Record
Prior Sale	Apr 29, 2024
Deed Document Number	3492117
Record Updated	Jun 8, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 29, 2024
Property Address	17850 SADDLE RD, PUNTA GORDA, FL 33982-5148
Document Number	0003399192
Map Reference	MB 24 PG 22A-22M
Instrument Date	Apr 23, 2024
Instrument	3399192
Transaction Type	Transfer
Record Updated	May 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090

March 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 3, 2023
Property Address	17850 SADDLE RD, PUNTA GORDA, FL 33982-5148
Document Number	0003229101
Map Reference	MB 24 PG 22A-22M
Instrument Date	Feb 24, 2023
Instrument	3229101
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 22, 2023
Title Company	PARADISE LAND TITLE AGENCY LLC, PARADISE LAND TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,507.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1400 CENTREPARK BLVD STE 1000, 1000, WEST PALM BEACH, FL 33401-7412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17914 SADDLE RD, PUNTA GORDA, FL 33982-5149

Mortgage

Document Number	0003229102
Date	Mar 3, 2023
Instrument	3229102

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year T-Bill
Max Rate	6.25%

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 22, 2022
Property Address	17850 SADDLE RD, PUNTA GORDA, FL 33982-5148
Document Number	0003193506
Map Reference	MB 24 PG 22A-22M
Instrument Date	Dec 22, 2022
Instrument	3193506
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1400 CENTREPARK BLVD # 100, 100, WEST PALM BEACH, FL 33401-7402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4090, SCOTTSDALE, AZ 85261-4090
Investor	Possibly a Property Investor

July 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 7, 2022
Property Address	17850 SADDLE RD, PUNTA GORDA, FL 33982-5148
Document Number	0050140839
Book / Page	5014 / 839
Map Reference	MB 24 PG 22A-22M
Instrument Date	Jun 29, 2022
Instrument	3124837
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 22, 2023
Title Company	PARADISE LAND TITLE AGENCY LLC, PARADISE LAND TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,046.10
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1400 CENTREPARK BLVD STE 1000, 1000, WEST PALM BEACH, FL 33401-7412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16875 EDGEVIEW DR, NOBLESVILLE, IN 46062-5300

Mortgage

Document Number	0050140841
Date	Jul 7, 2022
Instrument	5014/0841

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 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	$3,106.00 (-49.38%)	$207,901 (-11.28%)	$289,264 (+2.06%) Land $53,000 Building $236,264
2023	$6,136.00 (+193.73%)	$234,323 (+818.91%)	$283,420 (+1,011.45%) Land $39,000 Building $244,420
2022	$2,089.00	$25,500 Land $25,500	$25,500 Land $25,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 500 ft
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 84% of the US · above 75% 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 440 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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