28202 Arrowhead Cir, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 28202 Arrowhead Cir, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,846 sqft · built 2018
Lot Size	0.144 acres (6,254 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Feb 2026)
Tax Bill	$5,109 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2021 Line of Credit + 5 more
Flood Zone	Zone AE (high risk)
APN	`402335304006`

Property Details

APN / Parcel Number

Primary APN	`402335304006`
Alternative APNs	`00713550088008` `10004625314`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,846 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	1,846 sqft

Exterior

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	6,254 sqft (0.144 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	544 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	253 sqft
Porch	Slab
Porch Area	108 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00713550088008
Street Address	28202 ARROWHEAD CIR
City	PUNTA GORDA
State	FL
Zip	33982-4805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF12
Legal Description	CALUSA CREEK LT67 3329/1957 4266/1726 4393/874 4994/1771
Legal Range	23E
Legal Township	40S
Legal Section	35
Legal Subdivision	CALUSA CREEK
Legal Tract	CAL
Legal Lot Number	67
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	4
Census Block	4039
Census Tract	10200

Owner

28202 Arrowhead Cir is owned and occupied by two individuals who bought it in February 2026.

Source: Charlotte County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU
Sep 29, 2021	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Feb 2, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 2, 2022	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 6, 2020	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU
Dec 31, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD
Dec 22, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2026 · Amount on File
Deed Sale	Feb 2, 2026 · Amount on File
Prior Sale	Jun 2, 2022 · Amount on File
Deed Document Number	20263609844
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805

Mortgage

Document Number	0047171393
Date	Mar 1, 2021
Book Page	4717/1393
Instrument	2910005

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805

Mortgage

Document Number	0048491067
Date	Sep 29, 2021
Book Page	4849/1067
Instrument	3003421

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 2, 2026
Property Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Document Number	0003609844
Map Reference	MB 20 PG 3&3A-3K
Instrument Date	Jan 30, 2026
Instrument	3609844
Transaction Type	Transfer
Record Updated	Feb 18, 2026
Title Company	ESQUIRE LAND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	252 N STATE ST # ST1, ST1, CONCORD, NH 03301-3224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805

Mortgage

Document Number	0003609845
Date	Feb 2, 2026
Instrument	3609845

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 2, 2022
Property Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Document Number	0049941771
Book / Page	4994 / 1771
Map Reference	MB 20 PG 3&3A-3K
Instrument Date	May 31, 2022
Instrument	3110129
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	NEW MARKET TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	212 LILY POND PL, 212, EASLEY, SC 29642-1769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805

Mortgage

Document Number	0049941773
Date	Jun 2, 2022
Instrument	4994/1773

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046120508
Date	Aug 6, 2020
Book Page	4612/508
Instrument	2838281

Lender

Name	SUNCOAST CU
Type	Credit Union
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	156 Months
Due	Aug 5, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 31, 2018
Property Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Document Number	0043930874
Book / Page	4393 / 0874
Map Reference	MB 2 PG 3A-3K
Instrument Date	Dec 28, 2018
Instrument	2673099
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 7, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,468.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10541 BEN C PRATT 6 MILE CYPRESS PKWY # 100, 10541, FORT MYERS, FL 33966

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805

Mortgage

Document Number	0002673100
Date	Dec 31, 2018
Instrument	2673100

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 22, 2017
Property Address	28202 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
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

Transaction

Amount	Amount on Record
Tax	$21,934.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10514 BEN C PRATT/SIX MILE CYP FORT MYERS FL 33966, FORT MYERS, FL 33966

Tax Assessment & Valuation

The 2025 property tax bill for 28202 Arrowhead Cir was $5,109 with a homeowner's exemption, down 14.2% from the year before.

Source: Charlotte County assessment roll, as of March 4, 2026

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	$5,109.00 (-14.24%) Homeowner's exemption	$338,515 Land $30,941 Building $307,574	$338,515 Land $30,941 Building $307,574
2024	$5,957.00 (-14.91%)
2023	$7,001.00 (+119.47%)	$408,839 (+79.08%)	$357,716 (+2.18%) Land $33,401 Building $324,315
2022	$3,190.00 Homeowner's exemption	$228,297	$350,095 Land $22,441 Building $327,654

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

Flood

FEMA maps place 28202 Arrowhead Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 28202 Arrowhead Cir is low, with a 0.04% annual chance of 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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