17867 Saddle Rd, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 17867 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	0.157 acres (6,843 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Sep 2026)
Tax Bill	$3,106 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`422632238006`

Property Details

APN / Parcel Number

Primary APN	`422632238006`

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
1st Floor Area	1,268 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Masonry/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,843 sqft (0.157 acres)
Garage Type	Attached
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	320 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	17867 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	BABCOCK COMMUNITY TOWN CENTER SOUTHEAST LOT 2056 3177966
Legal Subdivision	BABCOCK COMMUNITY TOWN CENTER SOUTHEAST
Legal Lot Number	2056
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 October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	17867 SADDLE RD, PUNTA GORDA, FL 33982-5148
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Warranty Deed, Transfer · VA Mortgage FARMERS BANK
Nov 29, 2022	Special Warranty Deed, Subdivision Related Transfer PARADISE LAND TITLE AGENCY LLC, PARADISE LAND TITLE AGCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2026 · Amount on Record
Deed Sale	Sep 21, 2026 · Amount on Record
Prior Sale	Nov 29, 2022 · Amount on Record
Deed Document Number	20263685281
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 21, 2026
Property Address	17867 SADDLE RD, PUNTA GORDA, FL 33982-5148
Document Number	0003685281
Instrument Date	Sep 17, 2026
Instrument	20263685281
Transaction Type	Transfer
Record Updated	Oct 1, 2026
Title Company	SOUTH FLORIDA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208,565.00
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	17867 SADDLE RD, PUNTA GORDA, FL 33982-5148

Mortgage

Document Number	0003685282,
Date	Sep 21, 2026
Instrument	20263685282

Lender

Name	FARMERS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

November 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 29, 2022
Property Address	17867 SADDLE RD, PUNTA GORDA, FL 33982-5148
Document Number	0003177966
Map Reference	MB 24 PG 22A-22M
Instrument Date	Nov 28, 2022
Instrument	3177966
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 25, 2023
Title Company	PARADISE LAND TITLE AGENCY LLC, PARADISE LAND TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Tax	$1,983.80
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	PO BOX 876, HIGHLAND, NY 12528-0876

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	$3,106.00 (-47.75%)	$207,901 (-11.34%) Land $45,050 Building $162,851	$207,901 (-26.65%) Land $45,050 Building $162,851
2024	$5,944.00 (+0.47%)
2023	$5,916.00 (+183.2%)	$234,488 (+819.56%)	$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 100 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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