Charlotte County property record for 2444 Harbour Dr, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,768 sqft · built 2007 |
| Lot Size | 0.666 acres (29,005 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $968,000 (Jul 2022) |
| Tax Bill | $1,467 (2024) |
| Deeds & Mortgages | Jul 2022 Mortgage Jul 2018 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 402315426002 |
| Primary APN | 402315426002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,768 sqft Living Area |
| Gross Area | 4,340 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 29,005 sqft (0.666 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 934 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Enclosed/Screened Porch |
|---|---|
| Porch Area | 638 sqft |
| Loading Dock | 532 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 00831380000001 |
|---|---|
| Street Address | 2444 HARBOUR DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-2714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | HRBR HTS SEC 1 REV BLK 20 LTS 42 & 43 DC660/1788 DC1130/1190 1130/1193 1450/1133 DC1454/553-BS DC1454/555 2128/1235 AFF3828/15 4342/1455 5012/2079 HBH 001 0020 0044 HRBR HTS SEC 1 REV BLK 20 LTS 44 & 45 361/695 584/1049 1647/960 99 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 15 |
| Legal Subdivision | HRBR HTS |
| Legal Tract | HBH |
| Legal Block | 20 |
| Legal Lot Number | 42,43 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 21001 |
2444 Harbour Dr is owned and occupied by two individuals who bought it in July 2022.
Source: Charlotte County records, as of November 19, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2444 HARBOUR DR, PUNTA GORDA, FL 33983-2714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Jul 5, 2022 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Jul 31, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2022 · Amount on File |
| Deed Sale | Jul 5, 2022 · Amount on File |
| Prior Sale | Oct 25, 2013 · Amount on File |
| Deed Document Number | 20223123781 |
| Deed Book / Page | 5012 / 2079 |
| Prior Transfer Date | Feb 22, 1996 |
| Prior Transfer Doc | 1450001133 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 2444 HARBOUR DR, PUNTA GORDA, FL 33983-2714 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 17 EAGLE PT, BRANDENBURG, KY 40108-7044 |
| Document Number | 0050122081 |
|---|---|
| Date | Jul 5, 2022 |
| Book Page | 5012/2081 |
| Instrument | 3123782 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jul 31, 2018 |
| Property Address | 2444 HARBOUR DR, PUNTA GORDA, FL 33983-2714 |
| Document Number | 0043421455 |
| Book / Page | 004342 / 001455 |
| Instrument Date | Jul 26, 2018 |
| Instrument | 2633477 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2444 HARBOUR DR PUNTA GORDA FL 339832714, PUNTA GORDA, FL 33983-2714 |
Source: Charlotte County assessment roll, as of November 19, 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 | $722,063 Land $340,000 Building $382,063 | $722,063 Land $340,000 Building $382,063 | |
| 2024 | $1,467.00 (-89.62%) | ||
| 2023 | $14,131.00 (+98.33%) | $804,653 (+102.49%) | $914,669 (+32.55%) Land $420,000 Building $494,669 |
| 2022 | $7,125.00 Homeowner's exemption | $397,376 | $690,073 Land $323,000 Building $367,073 |
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 2444 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 2444 Harbour Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 234 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
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