17879 Saddle Rd, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 17879 Saddle Rd, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,700 sqft · built 2023
Lot Size	0.184 acres (8,052 sqft)
Owner	Individual Name on Record
Last Sale	$368,800 (Apr 2023)
Tax Bill	$3,608 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`42-26-32-238-008`

Property Details

APN / Parcel Number

Primary APN	`42-26-32-238-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,700 sqft Living Area
Gross Area	2,250 sqft
Flooring	Covered

Exterior

Year Built	Built 2023
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,052 sqft (0.184 acres)
Driveway	Driveway
Driveway Area	352 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	17879 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 2054 BABCOCK COMMUNITY TOWN CENTER SOUTHEAST LOT 2054 3243669
Legal Lot Number	2054
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	17879 SADDLE RD, PUNTA GORDA, FL 33982-5148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2026	Deed of Trust, Mortgage · Line of Credit NICOLET NATIONAL BANK
Jan 8, 2024	Deed of Trust, Mortgage · Commercial Mortgage NICOLET NATIONAL BANK
Apr 1, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2023 · Amount on Record
Deed Sale	Apr 1, 2023 · Amount on Record
Deed Document Number	3243669
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	17879 SADDLE RD, PUNTA GORDA, FL 33982-5148
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17879 SADDLE RD, PUNTA GORDA, FL 33982-5148

Mortgage

Document Number	0003618675
Date	Mar 1, 2026
Instrument	3618675

Lender

Name	NICOLET NATIONAL BANK
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 21, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	17879 SADDLE RD, PUNTA GORDA, FL 33982-5148
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003356320
Date	Jan 8, 2024
Instrument	3356320

Lender

Name	NICOLET NATIONAL BANK
Type	Bank
Address	EGG HARBOR, WI 54209

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 19, 2038

Interest

Rate Type	Adjustable Rate

April 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 1, 2023
Property Address	17879 SADDLE RD, PUNTA GORDA, FL 33982-5148
Document Number	0003243669
Map Reference	MB 24 PG 22A-22M
Instrument Date	Mar 29, 2023
Instrument	3243669
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 22, 2023
Title Company	ISLAND TITLE AGENCY LLC, LAND TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,581.60
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	17879 SADDLE RD, PUNTA GORDA, FL 33982-5148

Mortgage

Document Number	0003243670
Date	Apr 1, 2023
Instrument	3243670

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

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	$3,608.00 (+38.4%)	$241,489 (+760.92%)	$336,608 (+763.1%) Land $53,000 Building $283,608
2023	$2,607.00	$28,050	$39,000 (-89.43%) Land $39,000
			$368,800

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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