27195 Neaptide Dr, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 27195 Neaptide Dr, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,759 sqft · built 2005
Lot Size	0.993 acres (43,273 sqft)
Owner	2 Trust Names on File
Last Sale	$605,000 (Dec 2020)
Tax Bill	$10,098 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`402310181001`

Property Details

APN / Parcel Number

Primary APN	`402310181001`
Alternative APNs	`00853310082002` `10004614064`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,759 sqft Living Area
Gross Area	3,866 sqft
1st Floor Area	2,759 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Masonry/Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Tile
Lot Area	43,273 sqft (0.993 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	597 sqft
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Pool Area	264 sqft
Porch	Slab
Porch Area	510 sqft
Loading Dock	132 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00853310082002
Street Address	27195 NEAPTIDE DR
City	PUNTA GORDA
State	FL
Zip	33983-8817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	HARBOUR HEIGHTS SEC 11 BLK 191 LTS 84 85 & 86 604/188 1065/1916 COR1346/1205 2090/976 REST/COV2423/2141 3642/2127 3946/849 4577/411 DC4645/590-VMM CD4669/862 4669/864 HBH 011 0191 0082 HARBOUR HEIGHTS SEC 11 BLK 191 LTS 82 & 83 604/1
Legal Range	23E
Legal Township	40S
Legal Section	10
Legal Subdivision	HARBOUR HEIGHTS
Legal Tract	HBH
Legal Block	191
Legal Lot Number	84
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1009
Census Tract	20103

Owner

27195 Neaptide Dr is held in a trust since August 2026.

Source: Charlotte County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	11 MISTY LN, HOOKSETT, NH 03106-2188
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 18, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 1, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 1, 2020	Correction Deed FIRST INT'L TITLE
May 20, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2020 · Amount on File
Deed Sale	Dec 1, 2020 · Amount on File
Prior Sale	Feb 27, 2015 · Amount on File
Deed Document Number	20202877781
Deed Book / Page	4669 / 864
Last Transfer Date	Aug 19, 2026
Transfer Doc	0003684858
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 18, 2026
Property Address	27195 NEAPTIDE DR, PUNTA GORDA, FL 33983-8817
Document Number	0003684859
Instrument Date	Aug 19, 2026
Instrument	20263684859
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	11 MISTY LN, HOOKSETT, NH 03106-2188

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 18, 2026
Property Address	27195 NEAPTIDE DR, PUNTA GORDA, FL 33983-8817
Document Number	0003684858
Instrument Date	Aug 19, 2026
Instrument	20263684858
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 MISTY LN, HOOKSETT, NH 03106-2188

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 1, 2020
Property Address	27195 NEAPTIDE DR, PUNTA GORDA, FL 33983-8817
Document Number	0046690864
Book / Page	4669 / 864
Map Reference	MB 4 PG 48A-48G
Instrument Date	Nov 30, 2020
Instrument	2877781
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27195 NEAPTIDE DR, 27195, PUNTA GORDA, FL 33983-8817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 MISTY LN, HOOKSETT, NH 03106-2188

Mortgage

Document Number	0004669866
Date	Dec 1, 2020
Instrument	4669/866

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

December 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 1, 2020
Property Address	27195 NEAPTIDE DR, PUNTA GORDA, FL 33983-8817
Document Number	0046690862
Book / Page	004669 / 000862
Instrument Date	Nov 30, 2020
Instrument	2877780
Record Updated	Dec 24, 2020
Title Company	FIRST INT'L TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	27195 NEAPTIDE DR PUNTA GORDA FL 339838817, PUNTA GORDA, FL 33983-8817

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 20, 2020
Property Address	27195 NEAPTIDE DR, PUNTA GORDA, FL 33983-8817
Document Number	0045770411
Book / Page	004577 / 000411
Instrument Date	May 19, 2020
Instrument	2813026
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	27195 NEAPTIDE DR PUNTA GORDA FL 339838817, PUNTA GORDA, FL 33983-8817

Tax Assessment & Valuation

The 2025 property tax bill for 27195 Neaptide Dr was $10,098, up 5.1% from the year before.

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	$10,098.00 (+5.06%)	$642,302 Land $119,000 Building $523,302	$642,302 Land $119,000 Building $523,302
2024	$9,612.00 (+3.47%)
2023	$9,290.00 (+13.25%)	$483,271 (-6.13%)	$611,711 (+18.82%) Land $122,500 Building $489,211
2022	$8,203.00	$514,832 Land $89,256 Building $425,576	$514,832 Land $89,256 Building $425,576

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 27195 Neaptide Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 104 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	104 in force
Nearby Flood Claims	9 (2001–2022)
Claims Outside the SFHA	8 of 9
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Ian, Sep 2022 · 3 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

Wildfire risk around 27195 Neaptide Dr is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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