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2013 River Basin Ter, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 2013 River Basin Ter, Punta Gorda, FL 33982

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,216 sqft · built 1982
Lot Size0.336 acres (14,646 sqft)
Owner2 Company Names on Record
Last Sale$271,500 (Aug 2018)
Tax Bill$1,951 (2025)
Deeds & MortgagesNov 2022 Transfer
Jan 2021 Mortgage
+ 2 more
Flood ZoneZone VE (high risk)
APN402314253002

Property Details

APN / Parcel Number

Primary APN402314253002
Alternative APNs
  • 00884660002000
  • 10004615622

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area1,216 sqft Living Area
Gross Area3,371 sqft
1st Floor Area1,216 sqft

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 1982
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area14,646 sqft (0.336 acres)
View / LotWaterfront
Garage Area1,216 sqft
DrivewayDriveway
Driveway Area1 sqft

Exterior Amenities

PorchEnclosed Porch
Porch Area1,728 sqft
Deck AreaDeck Area
Patio Area426 sqft
Loading Dock212 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Account Number00884660002000
Street Address2013 RIVER BASIN TER
CityPUNTA GORDA
StateFL
Zip33982-1106
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF5
Legal DescriptionPALM SHORES LT 46 445/587 534/528 603/1808 676/1764 1060-1192 1239/497 1913/2166 2201/648 4343/1608 5065/1560
Legal Range23E
Legal Township40S
Legal Section14
Legal SubdivisionPALM SHORES
Legal TractPSH
Legal Lot Number46
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group1
Census Block1059
Census Tract10200

Owner

Source: Charlotte County records, as of November 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on Record
Mailing Address2013 RIVER BASIN TER, PUNTA GORDA, FL 33982-1106
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Nov 3, 2022Intrafamily Transfer, Transfer
ACCOMMODATION
Jan 8, 2021Deed of Trust, Mortgage · Conventional Mortgage
CITIZENS BANK NA
May 29, 2019Deed of Trust, Mortgage · Conventional Mortgage
CITIZENS BANK NA
Aug 2, 2018Warranty Deed, Transfer · Conventional Mortgage
STEARNS LENDNG LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 2, 2018 · Amount on Record
Deed SaleAug 2, 2018 · Amount on Record
Prior SaleApr 5, 2003 · Amount on Record
Deed Document Number20182634296
Deed Book / Page4343 / 1608
Last Transfer DateNov 3, 2022
Transfer Doc0050651560
Record UpdatedJun 8, 2026

November 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCHARLOTTE FL
Recording DateNov 3, 2022
Property Address2013 RIVER BASIN TER, PUNTA GORDA, FL 33982-1106
Document Number0050651560
Book / Page5065 / 1560
Map ReferenceMB 4 PG 21
Instrument DateNov 3, 2022
Instrument3166952
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2013 RIVER BASIN TER, 2013, PUNTA GORDA, FL 33982-1106

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address2013 RIVER BASIN TER, PUNTA GORDA, FL 33982-1106

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address2013 RIVER BASIN TER, PUNTA GORDA, FL 33982-1106
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2013 RIVER BASIN TER, PUNTA GORDA, FL 33982-1106

Mortgage

Document Number0046891312
DateJan 8, 2021
Book Page4689/1312
Instrument2890918
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2051

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address2013 RIVER BASIN TER, PUNTA GORDA, FL 33982-1106
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0044422114
DateMay 29, 2019
Book Page4442/2114
Instrument2713288
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2049

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateAug 2, 2018
Property Address2013 RIVER BASIN TER, PUNTA GORDA, FL 33982-1106
Document Number0043431608
Book / Page4343 / 1608
Map ReferenceMB4 PG21
Instrument DateJul 31, 2018
Instrument2634296
Transaction TypeTransfer
Record UpdatedFeb 7, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,900.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address16880 MCGREGOR BLVD STE 103, 16880, FORT MYERS, FL 33908-3833

Transferred To (Grantee/Buyer)

NameVerified Name
Address2013 RIVER BASIN TER, PUNTA GORDA, FL 33982-1106

Mortgage

Document Number0002634297
DateAug 2, 2018
Instrument2634297
Lender
NameSTEARNS LENDNG LLC
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2048

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCharlotte County
Unified School DistrictCharlotte County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,951.00 (-27.61%)$169,387 (+5.99%)$365,670 (-2.65%) Land $157,250 Building $208,420
2024$2,695.00 (+1.51%)
2023$2,655.00 (+4%) Homeowner's exemption$159,818 (+3%)$375,608 (+30.49%) Land $185,000 Building $190,608
2022$2,553.00 Homeowner's exemption$155,163$287,836 Land $157,250 Building $130,586

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 ZoneZone VE
high risk · coastal, wave action
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation13.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 126 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies126 in force
Nearby Flood Claims68 (1982–2024)
Claims Outside the SFHA4 of 68
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 29 claims
  • Hurricane Helene, Sep 2024 · 14 claims
  • Hurricane Ian, Sep 2022 · 7 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 RiskModerate
above 64% of the US · above 40% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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