Charlotte County property record for 2196 Harbour Dr, Punta Gorda, FL 33983
| Property Type | Other Improved |
|---|---|
| Lot Size | 0.384 acres (16,748 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,838 (2025) |
| Deeds & Mortgages | Dec 2025 Sale Jan 2021 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 40-23-15-258-002 |
| Primary APN | 40-23-15-258-002 |
|---|---|
| Alternative APNs |
|
| Lot Area | 16,748 sqft (0.384 acres) |
|---|
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10004616361 |
|---|---|
| Old Parcel Number | 00834930000000 |
| Street Address | 2196 HARBOUR DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | RSF3.5 |
| Legal Description | HBH 003 0051 0020 HARBOUR HEIGHTS SEC 3 REV BLK 51 LTS 20 & 21 38/253 576/1338 723/641 727/2187 761/1246 973/11 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 15 |
| Legal Subdivision | HARBOUR HEIGHTS |
| Legal Block | 51 |
| Legal Lot Number | 20 21 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21001 |
2196 Harbour Dr is owned by a company that acquired it in December 2025.
Source: Charlotte County records, as of January 14, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 11811 CHESHIRE STREET, PORT CHARLOTTE, FL 33953 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 31, 2025 | Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 25, 2021 | Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2025 |
| Deed Sale | Dec 31, 2025 |
| Prior Sale | Jan 25, 2021 |
| Deed Document Number | 3600770 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Dec 31, 2025 |
| Property Address | 2196 HARBOUR DR, PUNTA GORDA, FL 33983 |
| Document Number | 0003600770 |
| Map Reference | MB 3 PG 78 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 3600770 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1181 CHESHIRE ST, PORT CHARLOTTE, FL 33953-2220 |
| Name | Verified Name |
|---|---|
| Address | 11811 CHESHIRE STREET, PORT CHARLOTTE, FL 33953 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jan 25, 2021 |
| Property Address | 2196 HARBOUR DR, PUNTA GORDA, FL 33983 |
| Document Number | 0046971075 |
| Book / Page | 4697 / 1075 |
| Map Reference | MB 3 PG 78 |
| Instrument Date | Jan 25, 2021 |
| Instrument | 2896317 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2030 JAMAICA WAY, 2030, PUNTA GORDA, FL 33950-5181 |
| Name | Verified Name |
|---|---|
| Address | 1181 CHESHIRE ST, PT CHARLOTTE, FL 33953-2220 |
The 2025 property tax bill for 2196 Harbour Dr was $2,838.
Source: Charlotte County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,838.00 | $188,139 | $221,340 Land $200,000 Building $21,340 |
| 2023 | $3,576.00 (+5.61%) | $195,320 (+8.78%) | $229,788 (+27.97%) Land $210,000 Building $19,788 |
| 2022 | $3,386.00 | $179,557 Land $161,500 Building $18,057 | $179,557 Land $161,500 Building $18,057 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2196 Harbour Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 11.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 2196 Harbour Dr is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 32 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 |
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