17938 Saddle Rd, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 17938 Saddle Rd, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,688 sqft · built 2023
Lot Size	0.169 acres (7,377 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,911 (2025)
Deeds & Mortgages	Jan 2024 Transfer Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-26-32-238-021`

Property Details

APN / Parcel Number

Primary APN	`42-26-32-238-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,688 sqft Living Area
Gross Area	2,260 sqft
Flooring	Covered

Exterior

Year Built	Built 2023
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	7,377 sqft (0.169 acres)
View / Lot	Water
Driveway	Driveway
Driveway Area	352 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	17938 SADDLE RD
City	PUNTA GORDA
State	FL
Zip	33982-5149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOZD
Legal Description	BTC 001 0000 2070 BABCOCK COMMUNITY TOWN CENTER SOUTHEAST LOT 2070 3227492 CD3363366
Legal Lot Number	2070
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	2 Individual Names on Record
Mailing Address	17938 SADDLE RD, PUNTA GORDA, FL 33982-5149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Correction Deed PARADISE LAND TITLE AGENCY LLC, PARADISE LAND TITLE AGCY LLC
Mar 1, 2023	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2024
Deed Sale	Jan 26, 2024
Deed Document Number	3363366
Prior Transfer Date	Mar 1, 2023
Prior Transfer Doc	3227492
Record Updated	Jun 8, 2026

January 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 29, 2024
Property Address	17938 SADDLE RD, PUNTA GORDA, FL 33982-5149
Document Number	0003363366
Map Reference	MB 24 PG 22A-22M
Instrument Date	Jan 26, 2024
Instrument	3363366
Record Updated	Feb 7, 2024
Title Company	PARADISE LAND TITLE AGENCY LLC, PARADISE LAND TITLE AGCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

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	17938 SADDLE RD, PUNTA GORDA, FL 33982-5149

March 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 1, 2023
Property Address	17938 SADDLE RD, PUNTA GORDA, FL 33982-5149
Document Number	0003227492
Map Reference	MB 24 PG 22A-22M
Instrument Date	Feb 28, 2023
Instrument	3227492
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	$2,501.80
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	17938 SADDLE RD, PUNTA GORDA, FL 33982-5149

Mortgage

Document Number	0003227493
Date	Mar 1, 2023
Instrument	3227493

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 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	$3,911.00 (+46.64%) Homeowner's exemption	$301,646 (+892.65%)	$346,481 (+653.22%) Land $58,400 Building $288,081
2023	$2,667.00	$30,388	$46,000 (-87.13%) Land $46,000
			$357,400

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
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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