Charlotte County property record for 2292 Harbour Dr, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,054 sqft · built 1971 |
| Lot Size | 0.247 acres (10,760 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (May 2020) |
| Tax Bill | $2,057 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage May 2020 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 40-23-15-258-012 |
| Primary APN | 40-23-15-258-012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,054 sqft Living Area |
| Gross Area | 2,733 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 10,760 sqft (0.247 acres) |
| Garage Area | 525 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 154 sqft |
| Loading Dock | 529 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10004616371 |
|---|---|
| Old Parcel Number | 00831220000009 |
| Street Address | 2292 HARBOUR DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-8721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | HBH 001 0020 0003 HARBOUR HEIGHTS SEC 1 REV BLK 20 LTS 3 & 4 197/713 357/153 844/982 1094/1483&4 1375/331 1520/13 181 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 15 |
| Legal Subdivision | HARBOUR HEIGHTS |
| Legal Block | 20 |
| Legal Lot Number | 3 4 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21001 |
2292 Harbour Dr is owned and occupied by an individual who bought it in May 2020.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2292 HARBOUR DR, PUNTA GORDA, FL 33983-8721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 5, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU |
| May 4, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2020 · Amount on File |
| Deed Sale | May 4, 2020 · Amount on File |
| Prior Sale | Aug 15, 2000 |
| Deed Document Number | 2808724 |
| Deed Book / Page | 4571 / 226 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 2292 HARBOUR DR, PUNTA GORDA, FL 33983-8721 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2292 HARBOUR DR, PUNTA GORDA, FL 33983-8721 |
| Document Number | 0003311024 |
|---|---|
| Date | Sep 5, 2023 |
| Instrument | 3311024 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Sep 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year T-Bill |
| Max Rate | 9.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 4, 2020 |
| Property Address | 2292 HARBOUR DR, PUNTA GORDA, FL 33983-8721 |
| Document Number | 0045710226 |
| Book / Page | 004571 / 000226 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 2808724 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $2,800.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7161 CEDAR POINT DR NEW PORT RICHEY FL 346532900, NEW PORT RICHEY, FL 34653-2900 |
The 2025 property tax bill for 2292 Harbour Dr was $2,057 with a homeowner's exemption.
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 | $2,057.00 Homeowner's exemption | $176,407 | $436,147 Land $200,000 Building $236,147 |
| 2023 | $5,626.00 (+2.37%) Homeowner's exemption | $337,768 (+3%) | $431,635 (-9%) Land $210,000 Building $221,635 |
| 2022 | $5,496.00 Homeowner's exemption | $327,930 | $474,303 Land $161,500 Building $312,803 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 2292 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 2292 Harbour Dr is low, with a 0.06% annual chance of 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.
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 128 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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