25509 Lambert Ln, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 25509 Lambert Ln, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2014
Lot Size	0.209 acres (9,137 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (May 2025)
Tax Bill	$3,693 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`41-23-08-476-002`

Property Details

APN / Parcel Number

Primary APN	`41-23-08-476-002`
Alternative APNs	`0071972-007300-5` `10004703701`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,395 sqft
Flooring	Covered

Exterior

Year Built	Built 2014
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	9,137 sqft (0.209 acres)
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	108 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004703701
Old Parcel Number	00719720073005
Street Address	25509 LAMBERT LN
City	PUNTA GORDA
State	FL
Zip	33950-1392
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF10
Legal Description	WFE 000 0000 0073 WATERFORD ESTATES LT 73 3534/1231 3789/1907 3805/1473 4042/621 RES4109/609 3527
Legal Range	23E
Legal Township	41S
Legal Section	08
Legal Subdivision	WATERFORD ESTATES
Legal Lot Number	73
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1069
Census Tract	10302

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	25509 LAMBERT LN, PUNTA GORDA, FL 33950-1392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2022	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage OCEANSIDE MORTGAGE CO
Jan 28, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jun 10, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2025 · Amount on Record
Deed Sale	May 15, 2025 · Amount on Record
Prior Sale	Jan 5, 2016 · Amount on Record
Deed Document Number	3527553
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	25509 LAMBERT LN, PUNTA GORDA, FL 33950-1392
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25509 LAMBERT LN, PUNTA GORDA, FL 33950-1392

Mortgage

Document Number	0050641934
Date	Nov 2, 2022
Book Page	5064/1934
Instrument	3166098

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 28, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	25509 LAMBERT LN, PUNTA GORDA, FL 33950-1392
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25509 LAMBERT LN, PUNTA GORDA, FL 33950-1392

Mortgage

Document Number	0047230657
Date	Mar 9, 2021
Book Page	4723/657
Instrument	2914048

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	25509 LAMBERT LN, PUNTA GORDA, FL 33950-1392
Document Number	0045331128
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25009 LAMBERT LN PUNTA GORDA FL 33950, PUNTA GORDA, FL 33950

Mortgage

Document Number	0045331128
Date	Jan 30, 2020
Book Page	004533/001128
Instrument	2781884

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	Jan 29, 2047

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	25509 LAMBERT LN, PUNTA GORDA, FL 33950-1392
Document Number	0044491715
Instrument Date	Jun 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25509 LAMBERT LN PUNTA GORDA FL 339501392, PUNTA GORDA, FL 33950-1392

Mortgage

Document Number	0044491715
Date	Jun 14, 2019
Book Page	004449/001715
Instrument	2718481

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2049

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	$3,693.00 (-39.9%) Homeowner's exemption	$284,856 (-10.98%)	$327,070 (+3.74%) Land $50,000 Building $277,070
2023	$6,145.00 (+21.3%) Homeowner's exemption	$319,991 (+39.6%)	$315,267 (+37.54%) Land $47,000 Building $268,267
2022	$5,066.00	$229,216 Land $22,950 Building $206,266	$229,216 Land $22,950 Building $206,266

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 547 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	565 units insured incl. 18 condo units
Nearby Flood Claims	191 (1979–2024)
Claims Outside the SFHA	1 of 191
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Frances, Sep 2004 · 16 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 16 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 30 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	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% 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	CITY OF PUNTA GORDA serves 36,302 people · EPA ID FL6080051
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 151 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

May also be available: Ripple Fiber.

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