28148 Arrowhead Cir, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 28148 Arrowhead Cir, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,607 sqft · built 2016
Lot Size	0.173 acres (7,533 sqft)
Owner	2 Individual Names on File
Last Sale	$177,900 (Dec 2016)
Tax Bill	$607 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`402335304015`

Property Details

APN / Parcel Number

Primary APN	`402335304015`
Alternative APNs	`00713550025008` `10004625323`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,607 sqft Living Area
Gross Area	2,188 sqft
1st Floor Area	1,607 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,533 sqft (0.173 acres)
Garage Type	Attached
Garage Area	409 sqft
Driveway	Driveway
Driveway Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Slab
Porch Area	172 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00713550025008
Street Address	28148 ARROWHEAD CIR
City	PUNTA GORDA
State	FL
Zip	33982-4807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF12
Legal Description	CALUSA CREEK LT4 3329/1957 4055/993 4149/1433
Legal Range	23E
Legal Township	40S
Legal Section	35
Legal Subdivision	CALUSA CREEK
Legal Tract	CAL
Legal Lot Number	4
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	4
Census Block	4039
Census Tract	10200

Owner

Source: Charlotte County assessment roll, as of November 19, 2025

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 File
Mailing Address	28148 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 14, 2016 · Amount on Record
Deed Sale	Dec 14, 2016 · Amount on Record
Prior Sale	Feb 23, 2016 · Amount on Record
Deed Document Number	20162486067
Deed Book / Page	4149 / 1433
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	28148 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4807
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045201145
Date	Dec 26, 2019
Book Page	4520/1145
Instrument	2771999

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$607.00 (+4.84%) Veteran's exemption	$213,007 (+5.99%)	$297,316 (-5.42%) Land $30,940 Building $266,376
2024	$579.00 (+6.83%)
2023	$542.00 (+8.4%) Disabled Person's exemption Veteran's exemption	$200,975 (+3%)	$314,353 (+10.99%) Land $33,400 Building $280,953
2022	$500.00 Disabled Person's exemption	$195,121	$283,239 Land $22,440 Building $260,799

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

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 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	Hurricane Irma, Sep 2017 · 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	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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 USA Fixed Wireless	100 / 20