30437 Cedar Rd, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 30437 Cedar Rd, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,112 sqft · built 2023
Lot Size	0.232 acres (10,125 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Oct 2026)
Tax Bill	$4,102 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`402418456009`

Property Details

APN / Parcel Number

Primary APN	`402418456009`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,112 sqft Living Area
Gross Area	1,430 sqft
1st Floor Area	1,112 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Masonry/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	10,125 sqft (0.232 acres)
Garage Type	Attached
Garage Area	286 sqft
Driveway	Driveway
Driveway Area	1 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	30437 CEDAR RD
City	PUNTA GORDA
State	FL
Zip	33982-3325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF5
Legal Description	RIDGE HARBOR 4TH ADDITION LT 565 176/196 181/72 386/876 541/1272 565/251 1042/1566 1099/630 CD1210/2100 2036/429 2375/834 UNREC DC-JAZ PR17-496-CA LOA4211/81 ODH4284/340 4325/2119 4913/1224 3324509
Legal Subdivision	RIDGE HARBOR 4TH ADDITION
Legal Lot Number	565
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1036
Census Tract	10100

Owner

Source: Charlotte County records, as of October 19, 2026

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	30437 CEDAR RD, PUNTA GORDA, FL 33982-3325
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Oct 9, 2023	Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2026 · Amount on Record
Deed Sale	Oct 5, 2026 · Amount on Record
Prior Sale	Oct 9, 2023 · Amount on Record
Deed Document Number	20263690026
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 5, 2026
Property Address	30437 CEDAR RD, PUNTA GORDA, FL 33982-3325
Document Number	0003690026
Instrument Date	Oct 2, 2026
Instrument	20263690026
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173,215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30437 CEDAR RD, PUNTA GORDA, FL 33982-3325

Mortgage

Document Number	0003690027,
Date	Oct 5, 2026
Instrument	20263690027

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 9, 2023
Property Address	30437 CEDAR RD, PUNTA GORDA, FL 33982-3325
Document Number	0003324509
Map Reference	MB 3 PG 69
Instrument Date	Oct 4, 2023
Instrument	3324509
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 LAISHLEY CT UNIT 114, 114, PUNTA GORDA, FL 33950-3666

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30437 CEDAR RD, PUNTA GORDA, FL 33982-3325

Mortgage

Document Number	0003324510
Date	Oct 9, 2023
Instrument	3324510

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

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

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	$4,102.00 (+701.17%)	$227,786 (+1,793.48%) Land $11,900 Building $215,886	$227,786 (+1,509.45%) Land $11,900 Building $215,886
2023	$512.00 (+7.79%)	$12,030 (+15.63%)	$14,153 (+36.03%) Land $14,153
2022	$475.00	$10,404 Land $10,404	$10,404 Land $10,404

Assessed value is set for property tax purposes, not a market price estimate; it is 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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 518 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	870 units insured incl. 352 condo units
Nearby Flood Claims	11 (1995–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims 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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 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

May also be available: CenturyLink.

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