17874 Saddle Rd, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 17874 Saddle Rd, Punta Gorda, FL 33982 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,464 sqft · built 2023
Lot Size	0.159 acres (6,906 sqft)
Owner	2 Individual Names on File
Last Sale	$361,400 (Mar 2023)
Tax Bill	$3,327 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422632238013`

Property Details

APN / Parcel Number

Primary APN	`422632238013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,464 sqft Living Area
Gross Area	2,000 sqft
1st Floor Area	1,464 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	6,906 sqft (0.159 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	352 sqft
Porch	Enclosed/Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	17874 SADDLE RD
City	PUNTA GORDA
State	FL
Zip	33982-5148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BABCOCK COMMUNITY TOWN CENTER SOUTHEAST LOT 2062 3243059
Legal Subdivision	BABCOCK COMMUNITY TOWN CENTER SOUTHEAST
Legal Lot Number	2062
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1064
Census Tract	10100

Owner

Source: Charlotte County records · APN 422632238013

Assessment roll updated November 19, 2025 · Last verified August 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 File
Mailing Address	17874 SADDLE RD, PUNTA GORDA, FL 33982-5148
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 30, 2023 · Amount on Record
Deed Sale	Mar 30, 2023 · Amount on Record
Deed Document Number	20233243059
Record Updated	Sep 20, 2026

March 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 30, 2023
Property Address	17874 SADDLE RD, PUNTA GORDA, FL 33982-5148
Document Number	0003243059
Map Reference	MB 24 PG 22A-22M
Instrument Date	Feb 15, 2023
Instrument	3243059
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 19, 2024
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,529.80
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
Relationship	Joint Tenants with Right of Survivorship
Address	17874 SADDLE RD, PUNTA GORDA, FL 33982-5148

Mortgage

Document Number	0003243060
Date	Mar 30, 2023
Instrument	3243060

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated November 19, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,327.00 (-46.37%)	$222,714 (+693.99%) Land $45,050 Building $177,664	$222,714 (+471.06%) Land $45,050 Building $177,664
2024	$6,204.00 (+137.97%)
2023	$2,607.00	$28,050	$39,000 (-89.21%) Land $39,000
			$361,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charlotte County (12015C), updated September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120150101001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 518 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	870 units insured (352 under condo master policies) 430 of 518 individual policies on primary residences
Nearby Flood Claims	11 (1995–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Flood Events	Hurricane Milton (Oct 2024), 3 claims Hurricane Irma (Sep 2017), 4 claims

Wildfire

Wildfire Risk	High above 84% of the US · above 76% of Florida
Wildfire Likelihood	About 1 in 101 per year
Exposure	Direct burnable vegetation at the parcel

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.