Charlotte County property record for 28101 Arrowhead Cir, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,690 sqft · built 2018 |
| Lot Size | 0.188 acres (8,196 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $355,000 (Jun 2026) |
| Tax Bill | $3,555 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jan 2026 Second Mortgage + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 402335302039 |
| Primary APN | 402335302039 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,690 sqft Living Area |
| Gross Area | 2,271 sqft |
| 1st Floor Area | 1,690 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,196 sqft (0.188 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Driveway | Driveway |
| Driveway Area | 544 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 312 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 140 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00713550136008 |
|---|---|
| Street Address | 28101 ARROWHEAD CIR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-4811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF12 |
| Legal Description | CALUSA CREEK LT115 3329/1957 4266/1726 4402/821 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 35 |
| Legal Subdivision | CALUSA CREEK |
| Legal Tract | CAL |
| Legal Lot Number | 115 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 4 |
| Census Block | 4040 |
| Census Tract | 10200 |
Source: Charlotte County records, as of June 29, 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 Record |
|---|---|
| Mailing Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 28, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jun 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| May 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Jan 31, 2019 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Dec 22, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on Record |
| Deed Sale | Jun 17, 2026 · Amount on Record |
| Prior Sale | Jan 31, 2019 · Amount on Record |
| Deed Document Number | 20263655485 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Document Number | 0048062153 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 4806/2153 |
| Instrument | 2973428 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Document Number | 0003608790 |
|---|---|
| Date | Jan 28, 2026 |
| Instrument | 3608790 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 17, 2026 |
| Property Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Document Number | 0003655485 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 20263655485 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | PROPERTIES TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250,985.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Document Number | 0003655486, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 20263655486 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0045741374 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 4574/1374 |
| Instrument | 2811211 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jan 31, 2019 |
| Property Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Document Number | 0044020821 |
| Book / Page | 4402 / 0821 |
| Map Reference | MB 20 PG 3&3A-3K |
| Instrument Date | Jan 31, 2019 |
| Instrument | 2680644 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10541 BEN C PRATT 6 MILE CYPRESS PKWY # 100, 10541, FORT MYERS, FL 33966 |
| Name | Verified Name |
|---|---|
| Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Document Number | 0002680645 |
|---|---|
| Date | Jan 31, 2019 |
| Instrument | 2680645 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Dec 22, 2017 |
| Property Address | 28101 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811 |
| Document Number | 0042661726 |
| Book / Page | 004266 / 001726 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 2574964 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $21,934.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10514 BEN C PRATT/SIX MILE CYP FORT MYERS FL 33966, FORT MYERS, FL 33966 |
Source: Charlotte County assessment roll, as of March 4, 2026
| 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 | $3,555.00 (+18.07%) Homeowner's exemption | $235,422 (+20.11%) | $324,767 (-3.25%) Land $30,941 Building $293,826 |
| 2023 | $3,011.00 (-8.73%) Homeowner's exemption | $196,008 (-9.11%) | $335,687 (+11.21%) Land $33,401 Building $302,286 |
| 2022 | $3,299.00 Homeowner's exemption | $215,653 | $301,853 Land $22,441 Building $279,412 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 39 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 69 units insured incl. 30 condo units |
| Nearby Flood Claims | 6 (2010–2022) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
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 | CITY OF PUNTA GORDA serves 36,302 people · EPA ID FL6080051 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 138 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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