2102 Middle Ter, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 2102 Middle Ter, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,626 sqft · built 1979
Lot Size	0.918 acres (40,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$633 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`40-23-15-135-007`

Property Details

APN / Parcel Number

Primary APN	`40-23-15-135-007`
Alternative APNs	`0084391-000200-9` `10004615975`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,626 sqft Living Area
Gross Area	3,194 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1979
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	40,000 sqft (0.918 acres)
Garage Type	Mixed
Garage Area	529 sqft
Carport	Carport
Carport Area	400 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	539 sqft
Shed	1 Shed
Shed Area	130 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004615975
Old Parcel Number	00843910002009
Street Address	2102 MIDDLE TER
City	PUNTA GORDA
State	FL
Zip	33983-8723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	HBH 006 0127 0021 HARBOUR HEIGHTS SEC 6 BLK 127 LTS 21 22 23 24 37 38 39 40 552/631 1305/2013 1434/1473
Legal Range	23E
Legal Township	40S
Legal Section	15
Legal Subdivision	HARBOUR HEIGHTS
Legal Block	127
Legal Lot Number	21 22
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 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	2102 MIDDLE TER, PUNTA GORDA, FL 33983-8723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 1995
Deed Sale	Nov 30, 1995
Deed Document Number	0143401473
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	2102 MIDDLE TER, PUNTA GORDA, FL 33983-8723
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2102 MIDDLE TER, PUNTA GORDA, FL 33983-8723

Mortgage

Document Number	0003327830
Date	Oct 18, 2023
Instrument	3327830

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	2102 MIDDLE TER, PUNTA GORDA, FL 33983-8723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045241642
Date	Jan 7, 2020
Book Page	4524/1642
Instrument	2775102

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2030

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	$633.00 (-48.24%) Homeowner's exemption Disabled Person's exemption	$87,007 (+5.99%)	$205,400 (+2.07%) Land $41,191 Building $164,209
2023	$1,223.00 (+0.33%) Homeowner's exemption Disabled Person's exemption	$82,092 (+3%)	$201,238 (-15.72%) Land $44,740 Building $156,498
2022	$1,219.00 Homeowner's exemption Disabled Person's exemption	$79,701	$238,787 Land $24,738 Building $214,049

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 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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