Charlotte County property record for 28018 Senator Dr, Punta Gorda, FL 33955
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,354 sqft · built 2021 |
| Lot Size | 0.22 acres (9,608 sqft) |
| Owner | Individual Name on File |
| Last Sale | $325,000 (Feb 2025) |
| Tax Bill | $2,948 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage May 2020 Sale |
| Flood Zone | Zone D (undetermined) |
| APN | 42-23-02-353-009 |
| Primary APN | 42-23-02-353-009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,354 sqft Living Area |
| Gross Area | 1,970 sqft |
| Flooring | Covered |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Composition/Composite |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 9,608 sqft (0.22 acres) |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004721309 |
|---|---|
| Old Parcel Number | 01018730000000 |
| Street Address | 28018 SENATOR DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33955-3045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | TGA 001 0021 0014 TROPICAL GULF ACRES UN1 BLK21 LT 14 1055/2107 1055/2106 1343/472 DC3839/834-ALN 3839/835 3885/1 |
| Legal Range | 23E |
| Legal Township | 42S |
| Legal Section | 02 |
| Legal Subdivision | TROPICAL GULF ACRES |
| Legal Block | 21 |
| Legal Lot Number | 14 15 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 3 |
| Census Block | 3105 |
| Census Tract | 10505 |
28018 Senator Dr is owned and occupied by an individual who bought it in February 2025.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 250 HILLSTREAM RD, RED LION, PA 17356-9000 |
| 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.
| Date | Document |
|---|---|
| Jul 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| May 22, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2025 · Amount on File |
| Deed Sale | Feb 21, 2025 · Amount on File |
| Prior Sale | Jul 1, 2021 · Amount on File |
| Deed Document Number | 3497176 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jul 1, 2021 |
| Property Address | 28018 SENATOR DR, PUNTA GORDA, FL 33955-3045 |
| Document Number | 0047970247 |
| Book / Page | 4797 / 247 |
| Map Reference | MB 3 PG 25A-25C |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2966799 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Title Company | CORE TITLE SERVICES LLC, ANCHOR TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,581.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 602 N FRANKLIN ST, 602, CUBA, MO 65453-1812 |
| Name | Verified Name |
|---|---|
| Address | 28018 SENATOR DR, PUNTA GORDA, FL 33955-3045 |
| Document Number | 4797248 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 4797/248 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 22, 2020 |
| Property Address | 28018 SENATOR DR, PUNTA GORDA, FL 33955-3045 |
| Document Number | 0045780372 |
| Book / Page | 004578 / 000372 |
| Instrument Date | May 22, 2020 |
| Instrument | 2813842 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $35.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 602 N FRANKLIN ST CUBA MO 654531812, CUBA, MO 65453-1812 |
The 2025 property tax bill for 28018 Senator Dr was $2,948 with a homeowner's exemption.
Source: Charlotte County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,948.00 Homeowner's exemption | $235,433 | $259,336 Land $12,000 Building $247,336 |
| 2023 | $3,467.00 (+8.82%) Homeowner's exemption | $215,475 (+6.5%) | $247,287 (+22.22%) Land $10,000 Building $237,287 |
| 2022 | $3,186.00 Homeowner's exemption | $202,324 Land $6,460 Building $195,864 | $202,324 Land $6,460 Building $195,864 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28018 Senator Dr in Zone D, where flood risk has not been studied, though there have been 1 flood claim nearby since 2022.
Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2022) |
| 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 risk around 28018 Senator Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| CenturyLink Fiber | 1,000 / 1,000 |
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