Charlotte County property record for 26345 Explorer Rd, Punta Gorda, FL 33983
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 4 ba · 2,804 sqft · built 2018 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $324,990 (Nov 2020) |
| Tax Bill | $4,840 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 402309255008 |
| Primary APN | 402309255008 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,804 sqft Living Area |
| Gross Area | 3,648 sqft |
| 1st Floor Area | 2,804 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Duplex Single |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,000 sqft (0.459 acres) |
| Garage Type | Attached |
| Garage Area | 812 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Porch | Slab |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 26345 EXPLORER RD |
|---|---|
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-6322 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RMF15 |
| Legal Description | PUNTA GORDA ISLES SEC23 BLK0657 LT024W 4571/390 CD4663/1754 PGI 023 0657 0024 PUNTA GORDA ISLES SEC 23 BLK 657 LT 24 LESS THE W 50FT THEREOF PER OR 4571/390 597/457 1098/816 2039/766 2178/490 2939/1134 CT3818/994 4227/23 4247/632 438 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 09 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 0657 |
| Legal Lot Number | 024W |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20101 |
Source: Charlotte County records · APN 402309255008
Assessment roll updated November 19, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 26347 EXPLORER RD, PUNTA GORDA, FL 33983-6322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| May 04, 2020 | Grant Deed, Transfer · FHA Mortgage INSPIRE HM LNS INC |
| Nov 01, 2017 | Deed of Trust, Mortgage NATNIC HOLDINGSLLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 18, 2020 · Amount on Record |
| Deed Sale | Nov 18, 2020 · Amount on Record |
| Prior Sale | May 04, 2020 · Amount on Record |
| Deed Document Number | 20202874151 |
| Deed Book / Page | 4663 / 1754 |
| Prior Transfer Date | Apr 29, 2020 |
| Prior Transfer Doc | 0046631754 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 26345 EXPLORER RD, PUNTA GORDA, FL 33983-6322 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 26347 EXPLORER RD, PUNTA GORDA, FL 33983-6322 |
| Document Number | 0050470127 |
|---|---|
| Date | Sep 13, 2022 |
| Book Page | 5047/127 |
| Instrument | 3149907 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Aug 21, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 04, 2020 |
| Property Address | 26345 EXPLORER RD, PUNTA GORDA, FL 33983-6322 |
| Document Number | 0045710390 |
| Book / Page | 004571 / 000390 |
| Instrument Date | Apr 29, 2020 |
| Instrument | 2808783 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 26345 EXPLORER RD PUNTA GORDA FL 339836322, PUNTA GORDA, FL 33983-6322 |
| Document Number | 45710392 |
|---|---|
| Date | May 04, 2020 |
| Book Page | 004571/000392 |
| Instrument | 2808784 |
| Name | INSPIRE HM LNS INC |
|---|---|
| Address | NEWPORT BEACH, CA 92660 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 03, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 26345 EXPLORER RD, PUNTA GORDA, FL 33983-6322 |
| Document Number | 0042520049 |
| Book / Page | 004252 / 000049 |
| Instrument Date | Nov 01, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2017 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 26345 EXPLORER RD |
| Document Number | 0042520049 |
|---|---|
| Date | Nov 06, 2017 |
| Book Page | 004252/000049 |
| Instrument | 2563223 |
| Name | NATNIC HOLDINGSLLC |
|---|
| Amount | Amount Recorded |
|---|
Source: Charlotte County records · Assessment roll updated November 19, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,840.00 (-28.57%) Homeowner's exemption | $365,176 (+16.3%) | $419,478 (-5.08%) Land $45,900 Building $373,578 |
| 2024 | $6,776.00 (+3.23%) | ||
| 2023 | $6,564.00 (+16.22%) Homeowner's exemption | $313,990 (-2.48%) | $441,947 (+23.05%) Land $58,500 Building $383,447 |
| 2022 | $5,648.00 Homeowner's exemption | $321,990 | $359,150 Land $43,350 Building $315,800 |
Source: FEMA National Flood Hazard Layer as of September 28, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 22 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 30 units insured incl. 8 condo units |
| Nearby Flood Claims | 10 (2004–2022) |
| Claims Outside the SFHA | 7 of 10 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: ALTIUS Communications.
Based on FCC filings for 142 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CHARLOTTE COUNTY UTILITIES serves 173,820 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2025 |
| Lead | 10 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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