28197 Arrowhead Cir, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 28197 Arrowhead Cir, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,589 sqft · built 2007
Lot Size	0.188 acres (8,203 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Sep 2022)
Tax Bill	$4,931 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`40-23-35-302-025`

Property Details

APN / Parcel Number

Primary APN	`40-23-35-302-025`
Alternative APNs	`0071355-009800-8` `10004625263`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,589 sqft Living Area
Gross Area	3,299 sqft

Exterior

Year Built	Built 2007
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	8,203 sqft (0.188 acres)
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	270 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004625263
Old Parcel Number	00713550098008
Street Address	28197 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 0077 CALUSA CREEK LT77 3285/600 CD3286/307 5046/713
Legal Range	23E
Legal Township	40S
Legal Section	35
Legal Subdivision	CALUSA CREEK
Legal Lot Number	77
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	28197 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2022 · Amount on Record
Deed Sale	Sep 9, 2022 · Amount on Record
Prior Sale	May 1, 2008 · Amount on Record
Deed Document Number	3149278
Deed Book / Page	5046 / 713
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 9, 2022
Property Address	28197 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4811
Document Number	0050460713
Book / Page	5046 / 713
Map Reference	MB 20 PG 3&3A-3K
Instrument Date	Sep 9, 2022
Instrument	3149278
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	ESQUIRE LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2658 LAKE VIEW BLVD, 2658, PORT CHARLOTTE, FL 33948-3787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1411 NE 20TH AVE, CAPE CORAL, FL 33909-1607

Mortgage

Document Number	0003149279
Date	Sep 9, 2022
Instrument	3149279

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

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	$4,931.00 (-17.87%)	$326,921 (-5.42%)	$354,946 (+1.33%) Land $36,401 Building $318,545
2023	$6,004.00 (+30.21%)	$345,642 (+16.67%)	$350,294 (+18.24%) Land $33,401 Building $316,893
2022	$4,611.00	$296,259 Land $22,441 Building $273,818	$296,259 Land $22,441 Building $273,818

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	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.

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 Fixed Wireless	100 / 20