27372 Neaptide Dr, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 27372 Neaptide Dr, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,498 sqft · built 2022
Lot Size	0.99 acres (43,166 sqft)
Owner	2 Individual Names on File
Last Sale	$15,000 (Oct 2020)
Tax Bill	$2,980 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`40-23-10-405-003`

Property Details

APN / Parcel Number

Primary APN	`40-23-10-405-003`
Alternative APNs	`0085644-000000-3` `10004614603`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,498 sqft Living Area
Gross Area	3,960 sqft
Flooring	Covered

Exterior

Year Built	Built 2022
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	43,166 sqft (0.99 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004614603
Old Parcel Number	00856440000003
Street Address	27372 NEAPTIDE DR
City	PUNTA GORDA
State	FL
Zip	33983-8808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	HBH 011 0225 0011 HARBOUR HEIGHTS SEC 11 PT 3 BLK 225 LTS 11 12 13 14 15 16 & 17 348/963 415/58 524/510 532/720
Legal Range	23E
Legal Township	40S
Legal Section	10
Legal Subdivision	HARBOUR HEIGHTS
Legal Block	225
Legal Lot Number	11 13
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1009
Census Tract	20103

Owner

27372 Neaptide Dr is owned and occupied by two individuals who bought it in October 2020.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	27372 NEAPTIDE DR, PUNTA GORDA, FL 33983-8808
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Nov 15, 2021	Deed of Trust, Mortgage · Commercial Mortgage JEFFREY J LEONARD ETUX
Oct 7, 2020	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2020 · Amount on File
Deed Sale	Oct 7, 2020 · Amount on File
Deed Document Number	2859658
Deed Book / Page	4643 / 506
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	27372 NEAPTIDE DR, PUNTA GORDA, FL 33983-8808
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	AMERICAS TITLE GROUP, AMERICAS TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27372 NEAPTIDE DR, PT CHARLOTTE, FL 33983-8808

Mortgage

Document Number	0050321738
Date	Aug 11, 2022
Book Page	5032/1738
Instrument	3138626

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	27372 NEAPTIDE DR, PUNTA GORDA, FL 33983-8808
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27372 NEAPTIDE DR, PUNTA GORDA, FL 33983-8808

Mortgage

Document Number	0048760272
Date	Nov 15, 2021
Book Page	4876/272
Instrument	3022193

Lender

Name	JEFFREY J LEONARD ETUX
Type	Private Party
Address	26092 WATERFOWL LN, PUNTA GORDA, FL 33983

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 7, 2020
Property Address	1307 HYMONT CT, PUNTA GORDA, FL 33983
Document Number	0046430506
Book / Page	004643 / 000506
Instrument Date	Oct 6, 2020
Instrument	2859658
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4737 ANDRIS ST NORTH PORT FL 342887307, NORTH PORT, FL 34288-7307

Tax Assessment & Valuation

The 2025 property tax bill for 27372 Neaptide Dr was $2,980 with a homeowner's exemption.

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	$2,980.00 Homeowner's exemption	$237,600	$484,224 Land $39,100 Building $445,124
2023	$3,652.00 (+654.55%) Homeowner's exemption	$224,179 (+914.2%)	$468,384 (+2,019%) Land $40,100 Building $428,284
2022	$484.00	$22,104 Land $22,104	$22,104 Land $22,104

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

Flood

FEMA maps place 27372 Neaptide Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
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 27372 Neaptide Dr is moderate, ranking above 57% 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 57% of the US · lower than 69% 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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