28185 Arrowhead Cir, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 28185 Arrowhead Cir, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,607 sqft · built 2017
Lot Size	0.143 acres (6,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,555 (Aug 2017)
Tax Bill	$2,159 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2018 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`40-23-35-302-027`

Property Details

APN / Parcel Number

Primary APN	`40-23-35-302-027`
Alternative APNs	`0071355-009600-8` `10004625265`

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
Flooring	Covered

Exterior

Year Built	Built 2017
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	6,249 sqft (0.143 acres)
Garage Area	409 sqft
Driveway	Driveway
Driveway Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	172 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004625265
Old Parcel Number	00713550096008
Street Address	28185 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	CAL 000 0000 0075 CALUSA CREEK LT 75 3329/1957 4168/830 4227/739
Legal Range	23E
Legal Township	40S
Legal Section	35
Legal Subdivision	CALUSA CREEK
Legal Lot Number	75
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	4
Census Block	4040
Census Tract	10200

Owner

Source: Charlotte County records, as of December 10, 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 Record
Mailing Address	28185 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jul 2, 2018	Loan Modification, Mortgage · Conventional with PMI CALIBER HM LOANS
Aug 8, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2017 · Amount on Record
Deed Sale	Aug 8, 2017 · Amount on Record
Deed Document Number	2544039
Deed Book / Page	4227 / 0739
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	28185 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28185 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811

Mortgage

Document Number	0048501551
Date	Sep 30, 2021
Book Page	4850/1551
Instrument	3004204

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLOTTE FL
Property Address	28185 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811
Document Number	0043470451
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28185 ARROWHEAD CIR PUNTA GORDA FL 339824811, PUNTA GORDA, FL 33982-4811

Mortgage

Document Number	0043470451
Date	Aug 13, 2018
Book Page	004347/000451
Instrument	2637253

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

August 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 8, 2017
Property Address	28185 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811
Document Number	0042270739
Book / Page	004227 / 000739
Instrument Date	Jul 31, 2017
Instrument	2544039
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 28, 2017
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,383.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28185 ARROWHEAD CIR PUNTA GORDA FL 339824811, PUNTA GORDA, FL 33982-4811

Mortgage

Document Number	42270740
Date	Aug 8, 2017
Book Page	004227/000740
Instrument	2544040

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2047

Tax Assessment & Valuation

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	$2,159.00 (-18.31%) Homeowner's exemption	$183,151 (+5.99%)	$292,923 (+3.83%) Land $36,401 Building $256,522
2023	$2,643.00 (+4.22%) Homeowner's exemption	$172,805 (+3%)	$282,105 (+14.35%) Land $33,401 Building $248,704
2022	$2,536.00 Homeowner's exemption	$167,772	$246,695 Land $22,441 Building $224,254

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 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 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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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