26055 Concepcion Dr, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 26055 Concepcion Dr, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,981 sqft · built 1989
Lot Size	0.307 acres (13,373 sqft)
Owner	Company Name on Record
Last Sale	$100 (Apr 2016)
Tax Bill	$2,271 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`402304106002`

Property Details

APN / Parcel Number

Primary APN	`402304106002`
Alternative APNs	`00952620862607` `10004606574`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,981 sqft Living Area
Gross Area	2,824 sqft
1st Floor Area	1,981 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	13,373 sqft (0.307 acres)
Garage Type	Attached
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Pool Area	288 sqft
Porch	Enclosed/Screened Porch
Porch Area	403 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952620862607
Street Address	26055 CONCEPCION DR
City	PUNTA GORDA
State	FL
Zip	33983-5315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PUNTA GORDA ISLES SEC20 BLK555 LT26 837/1662 968-2193 969/870 1116/289 3548/1582 4072/1671
Legal Range	23E
Legal Township	40S
Legal Section	04
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	555
Legal Lot Number	26
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	3
Census Block	3002
Census Tract	20103

Owner

Source: Charlotte County records, as of June 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	26055 CONCEPCION DR, PUNTA GORDA, FL 33983-5315
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jan 5, 2017	Deed of Trust, Mortgage · Line of Credit FIRST ATLANTIC FCU
May 25, 2018	Deed of Trust, Mortgage · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2016 · Amount on Record
Deed Sale	Apr 1, 2016 · Amount on Record
Prior Sale	Feb 17, 2011 · Amount on Record
Deed Book / Page	4072 / 1671
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	26055 CONCEPCION DR, PUNTA GORDA, FL 33983-5315
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26055 CONCEPCION DR, PUNTA GORDA, FL 33983-5315

Mortgage

Document Number	0003258494
Date	May 2, 2023
Instrument	3258494

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	26055 CONCEPCION DR, PUNTA GORDA, FL 33983-5315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041561206
Date	Jan 5, 2017
Book Page	4156/1206
Instrument	2490933

Lender

Name	FIRST ATLANTIC FCU
Type	Credit Union
Address	EATONTOWN, NJ 07724

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	26055 CONCEPCION DR, PUNTA GORDA, FL 33983-5315
Document Number	0043220398
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	26055 CONCEPCION DR PUNTA GORDA FL 339835315, PUNTA GORDA, FL 33983-5315

Mortgage

Document Number	0043220398
Date	Jun 1, 2018
Book Page	004322/000398
Instrument	2617590

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.19%

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 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	$2,271.00 (+2.67%) Homeowner's exemption	$128,806 (+5.99%)	$345,635 (+26.92%) Land $40,800 Building $304,835
2024	$2,212.00 (+2.12%)
2023	$2,166.00 (+10.45%) Homeowner's exemption	$121,530 (+3%)	$272,326 (-7.1%) Land $46,000 Building $226,326
2022	$1,961.00 Homeowner's exemption	$117,990	$293,132 Land $36,550 Building $256,582

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 80 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	80 in force
Nearby Flood Claims	6 (1995–2022)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Sep 2022 · Hurricane Ian

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 65% of the US · above 41% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
CenturyLink DSL	140 / 20

May also be available: Verizon.

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