2083 Middle Ter, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 2083 Middle Ter, Punta Gorda, FL 33983

Property Summary

Property Type	Residential Vacant Land
Details	1,865 sqft · built 2025
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (May 2025)
Tax Bill	$357 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Aug 2024 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`402315134002`

Property Details

APN / Parcel Number

Primary APN	`402315134002`
Alternative APNs	`00843820001001` `10004615957`

Exterior

Lot Area	20,000 sqft (0.459 acres)

Location & Zoning

Account Number	00843820001001
Street Address	2083 MIDDLE TER
City	PUNTA GORDA
State	FL
Zip	33983-8759
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RSF3.5
Legal Description	HARBOUR HTS SEC 6 BLK 126 LTS 33 & 34 1872/1028&1029&1030 4177/1915 L/E3190032 3234978 3397250 3443103 HBH 006 0126 0027 HRBR HTS SEC 6 BLK 126 LTS 27 & 28 632/1906 1163/1571 1163/1572 1163/73 PR99-412 AFF1707/1485 1772/1697 1872/10
Legal Range	23E
Legal Township	40S
Legal Section	15
Legal Subdivision	HARBOUR HTS
Legal Tract	HBH
Legal Block	126
Legal Lot Number	33,34
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1044
Census Tract	21001

Owner

Source: Charlotte County records, as of January 9, 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 Record
Mailing Address	2083 MIDDLE TER, PUNTA GORDA, FL 33983-8759
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 12, 2025	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RMC HOME MORTGAGE LLC
Aug 27, 2024	Quit Claim Deed, Transfer STEEL CITY TITLE INC, STEEL CITY TITLE
Aug 28, 2024	Quit Claim Deed, Transfer STEEL CITY TITLE INC, STEEL CITY TITLE
Apr 24, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Mar 15, 2023	Warranty Deed, Transfer SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2025 · Amount on Record
Deed Sale	May 12, 2025 · Amount on Record
Prior Sale	Mar 15, 2023 · Amount on Record
Deed Document Number	20253525647
Prior Transfer Date	Aug 24, 2024
Prior Transfer Doc	0003443917
Record Updated	Sep 20, 2026

May 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 12, 2025
Property Address	2083 MIDDLE TER, PUNTA GORDA, FL 33983-8759
Document Number	0003525647
Map Reference	MB 3 PG 82
Instrument Date	Apr 30, 2025
Instrument	3525647
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 2, 2026
Title Company	STEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,303.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2286 W 1ST ST, FORT MYERS, FL 33901-3308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2083 MIDDLE TER, PUNTA GORDA, FL 33983-8759

Mortgage

Document Number	0003525648
Date	May 12, 2025
Instrument	3525648

Lender

Name	RMC HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 27, 2024
Property Address	2083 MIDDLE TER, PUNTA GORDA, FL 33983-8759
Document Number	0003443103
Map Reference	MB 3 PG 82A-82C
Instrument Date	Aug 24, 2024
Instrument	3443103
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	STEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 COUNTY ROUTE, TICONDEROGA, NY 12883

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2286W FIRST ST, FORT MYERS, FL 33901-2960
Investor	Possibly a Property Investor

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 28, 2024
Property Address	2083 MIDDLE TER, PUNTA GORDA, FL 33983-8759
Document Number	0003443917
Map Reference	MB 3 PG 82A-82C
Instrument Date	Aug 24, 2024
Instrument	3443917
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	STEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 TROUT BROOK RD, TICONDEROGA, NY 12883-3418

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2286 W FIRST ST, FORT MYERS, FL 33901-3308
Investor	Possibly a Property Investor

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 24, 2024
Property Address	2083 MIDDLE TER, PUNTA GORDA, FL 33983-8759
Document Number	0003397250
Map Reference	MB 3 PG 82A-82C
Instrument Date	Apr 17, 2024
Instrument	3397250
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21588 BELHAVEN WAY, ESTERO, FL 33928-3283

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21588 BELHAVEN WAY, ESTERO, FL 33928-3283

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 15, 2023
Property Address	2083 MIDDLE TER, PUNTA GORDA, FL 33983-8759
Document Number	0003234978
Map Reference	MB 3 PG 82A-82C
Instrument Date	Mar 15, 2023
Instrument	3234978
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS

Transaction

Amount	Amount Recorded
Tax	$371.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 ROCKY AVE, TEWKSBURY, MA 01876-2815

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21588 BELHAVEN WAY, ESTERO, FL 33928-3283

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	$357.00 (-64.23%)	$23,674 (+49.5%) Land $23,674	$23,674 (-22.33%) Land $23,674
2024	$998.00 (+9.55%)
2023	$911.00 (+43.69%)	$15,835 (+40.07%)	$30,480 (+169.62%) Land $30,480
2022	$634.00	$11,305 Land $11,305	$11,305 Land $11,305

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
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 375 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	375 in force
Nearby Flood Claims	161 (1982–2025)
Claims Outside the SFHA	7 of 161
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 74 claims Hurricane Helene, Sep 2024 · 32 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 19 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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	CHARLOTTE HARBOR WATER ASSN. private · serves 4,722 people · EPA ID FL6080044
Water Source	Purchased surface water from CHARLOTTE COUNTY UTILITIES
Last State Inspection	May 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 62 locations within half a mile, as of December 31, 2025

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

May also be available: Ripple Fiber.

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