28208 Arrowhead Cir, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 28208 Arrowhead Cir, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,758 sqft · built 2018
Lot Size	0.164 acres (7,187 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Jul 2023)
Tax Bill	$4,270 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`40-23-35-304-005`

Property Details

APN / Parcel Number

Primary APN	`40-23-35-304-005`
Alternative APNs	`0071355-008700-8` `10004625313`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,758 sqft Living Area
Gross Area	2,283 sqft
Flooring	Covered

Exterior

Year Built	Built 2018
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	7,187 sqft (0.164 acres)
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	530 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Porch
Porch Area	125 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004625313
Old Parcel Number	00713550087008
Street Address	28208 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	CAL 000 0000 0066 CALUSA CREEK LT66 3329/1957 4266/1726 4361/773 3287657
Legal Range	23E
Legal Township	40S
Legal Section	35
Legal Subdivision	CALUSA CREEK
Legal Lot Number	66
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	4
Census Block	4039
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
Mailing Address	28208 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Sep 25, 2018	Corporation Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD
Dec 22, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	3287657
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 7, 2023
Property Address	28208 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Document Number	0003287657
Map Reference	MB 20 PG 3&3A-3K
Instrument Date	Jul 6, 2023
Instrument	3287657
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 ENSIGN DRIVE, GROTON, CT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28208 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805

Mortgage

Document Number	0003287659
Date	Jul 7, 2023
Instrument	3287659

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

September 2018: Corporation Deed, Subdivision Related Transfer

Document Type	Corporation Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 25, 2018
Property Address	28208 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805
Document Number	0043610773
Book / Page	4361 / 0773
Map Reference	MB20 PG3&3A-3K
Instrument Date	Sep 24, 2018
Instrument	2647969
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 7, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,523.90
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	28208 ARROWHEAD CIR, PUNTA GORDA, FL 33982-4805

Mortgage

Document Number	0002647970
Date	Sep 25, 2018
Instrument	2647970

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 22, 2017
Property Address	28208 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 Recorded
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

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	$4,270.00 (+54.43%) Homeowner's exemption	$323,116 (+79.04%)	$350,510 (+3.53%) Land $36,401 Building $314,109
2023	$2,765.00 (-17.46%) Homeowner's exemption	$180,473 (-17.55%)	$338,559 (+11.24%) Land $33,401 Building $305,158
2022	$3,350.00 Homeowner's exemption	$218,887	$304,361 Land $22,441 Building $281,920

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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