2086 Middle Ter, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 2086 Middle Ter, Punta Gorda, FL 33983

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.47 acres (20,490 sqft)
Owner	2 Individual Names on Record
Last Sale	$46,500 (Jul 2022)
Tax Bill	$330 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2024 Construction Loan + 2 more
Flood Zone	Zone X (moderate risk)
APN	`402315135001`

Property Details

APN / Parcel Number

Primary APN	`402315135001`
Alternative APNs	`00843930000009` `10004615969`

Exterior

Lot Area	20,490 sqft (0.47 acres)

Location & Zoning

Account Number	00843930000009
Street Address	2086 MIDDLE TER
City	PUNTA GORDA
State	FL
Zip	33983-8764
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	RSF3.5
Legal Description	HRBR HTS SEC 6 BLK 127 LTS 31 & 32 87/488 DC444/595 PR83-108 729/2001 2379/870 2386/570 3018/1070 3412/467 4273/1742 5026/1764 HBH 006 0127 0033 HRBR HTS SEC 6 BLK 127 LTS 33 & 34 176/311 662/1107 2379/869 2386/570 3018/1070 3412/467 4273/17
Legal Range	23E
Legal Township	40S
Legal Section	15
Legal Subdivision	HRBR HTS
Legal Tract	HBH
Legal Block	127
Legal Lot Number	31,32
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	65 N MOUNT LEBANON RD, PORT MURRAY, NJ 07865-3103
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage TJC MORTGAGE INC
Jul 9, 2024	Deed of Trust, Mortgage · Construction Mortgage HALLMARK HOME MORTGAGE LLC
Jul 29, 2022	Warranty Deed, Transfer FLORIDA ABSTRACT AND SECURITY TITLE, FLORIDA ABSTRACT & SECURITY
Jan 17, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	Jan 22, 2004 · Amount on Record
Deed Document Number	20223134090
Deed Book / Page	5026 / 1764
Prior Transfer Date	Aug 5, 2009
Prior Transfer Doc	0034120467
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	2086 MIDDLE TER, PUNTA GORDA, FL 33983-8764
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 N MOUNT LEBANON RD, PORT MURRAY, NJ 07865-3103

Mortgage

Document Number	0003573220
Date	Sep 30, 2025
Instrument	3573220

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company
Address	BIRMINGHAM, AL 35243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	2086 MIDDLE TER, PUNTA GORDA, FL 33983-8764
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 N MOUNT LEBANON RD, PORT MURRAY, NJ 07865-3103

Mortgage

Document Number	0003425889
Date	Jul 9, 2024
Instrument	3425889

Lender

Name	HALLMARK HOME MORTGAGE LLC
Type	Mortgage Company
Address	FORT WAYNE, IN 46825

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	10 Months
Due	May 1, 2025

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 29, 2022
Property Address	2086 MIDDLE TER, PUNTA GORDA, FL 33983-8764
Document Number	0050261764
Book / Page	5026 / 1764
Map Reference	MB 3 PG 82A-82C
Instrument Date	Jul 26, 2022
Instrument	3134090
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	FLORIDA ABSTRACT AND SECURITY TITLE, FLORIDA ABSTRACT & SECURITY

Transaction

Amount	Amount Recorded
Tax	$325.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1835 E HALLANDALE BEACH BLVD, HALLANDALE BEACH, FL 33009-4619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 N MOUNT LEBANON RD, PORT MURRAY, NJ 07865-3103
Investor	Possibly a Property Investor

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 17, 2018
Property Address	2074 MIDDLE TER, PUNTA GORDA, FL 33983
Document Number	0042731742
Book / Page	004273 / 001742
Instrument Date	Jan 3, 2018
Instrument	2580111
Transaction Type	Transfer
Record Updated	Mar 6, 2018

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1835 E HALLANDALE BEACH BLVD HALLANDALE BEACH FL 330094619, HALLANDALE BEACH, FL 33009-4619

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	$330.00 (-40.65%)	$23,120 (+8.97%) Land $23,120	$23,120 (-7.37%) Land $23,120
2024	$556.00 (-3.81%)
2023	$578.00 (+34.42%)	$21,216 (+183.64%)	$24,960 (+233.69%) Land $24,960
2022	$430.00	$7,480 Land $7,480	$7,480 Land $7,480

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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