26448 Explorer Rd, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 26448 Explorer Rd, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	2,157 sqft · built 2025
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Apr 2022)
Tax Bill	$621 (2025)
Deeds & Mortgages	Oct 2022 Construction Loan Nov 2024 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-23-09-254-001`

Property Details

APN / Parcel Number

Primary APN	`40-23-09-254-001`
Alternative APNs	`0095262-317365-0` `10004612784`

Interior

Building Area	2,157 sqft Living Area
Gross Area	3,138 sqft

Exterior

Year Built	Built 2025
Lot Area	20,000 sqft (0.459 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004612784
Old Parcel Number	00952623173650
Street Address	26448 EXPLORER RD
City	PUNTA GORDA
State	FL
Zip	33983-6315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF15
Legal Description	PGI 023 0656 0007 PUNTA GORDA ISLES SEC23 BLK656 LT7 802/99 2939/1134 CT3763/2029 4550/737 4969/824
Legal Range	23E
Legal Township	40S
Legal Section	09
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	656
Legal Lot Number	7
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1008
Census Tract	20101

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	26448 EXPLORER RD, PUNTA GORDA, FL 33983-6315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Deed of Trust, Mortgage · Construction Mortgage TRUIST BANK
Nov 4, 2024	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Apr 22, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 11, 2020	Warranty Deed, Transfer TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2022 · Amount on Record
Deed Sale	Apr 22, 2022 · Amount on Record
Prior Sale	Mar 11, 2020 · Amount on Record
Deed Document Number	3091360
Deed Book / Page	4969 / 824
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	26448 EXPLORER RD, PUNTA GORDA, FL 33983-6315
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24192 RIVERFRONT DR, PT CHARLOTTE, FL 33980-6502
Investor	Possibly a Property Investor

Mortgage

Document Number	0050630447
Date	Oct 28, 2022
Book Page	5063/447
Instrument	3164361

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.49%
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.4%
Index	Other
Max Rate	10.4%

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	26448 EXPLORER RD, PUNTA GORDA, FL 33983-6315
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4169 LIBRARY ST, PORT CHARLOTTE, FL 33948-2231

Mortgage

Document Number	0003463403
Date	Nov 4, 2024
Instrument	3463403

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Nov 1, 2040

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 22, 2022
Property Address	26448 EXPLORER RD, PUNTA GORDA, FL 33983-6315
Document Number	0049690824
Book / Page	4969 / 824
Map Reference	MB 12 PG 2
Instrument Date	Apr 13, 2022
Instrument	3091360
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	374 MENDOZA ST, PUNTA GORDA, FL 33983-5542

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	308 ISLAND LN, EGG HARBOR TOWNSHIP, NJ 08234-6986

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 11, 2020
Property Address	26448 EXPLORER RD, PUNTA GORDA, FL 33983-6315
Document Number	0045500737
Book / Page	004550 / 000737
Instrument Date	Mar 6, 2020
Instrument	2794679
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Tax	$224.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26448 EXPLORER RD PUNTA GORDA FL 33983, PUNTA GORDA, FL 33983

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	$621.00 (-51.1%)	$41,183 (-14.55%)	$48,450 (-14.55%) Land $48,450
2023	$1,270.00 (+43.02%)	$48,195 (+10.53%)	$56,700 (+30.03%) Land $56,700
2022	$888.00	$43,605 Land $43,605	$43,605 Land $43,605

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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	Hurricane Ian, Sep 2022 · 3 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 4 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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% 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	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 81 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

May also be available: BridgeMAXX Suncoast Broadband.

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