3214 Duncan Rd, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 3214 Duncan Rd, Punta Gorda, FL 33982

Property Summary

Property Type	Commercial
Lot Size	1.39 acres (60,635 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Sep 2019)
Tax Bill	$1,378 (2025)
Deeds & Mortgages	Sep 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`40-24-19-152-002`

Property Details

APN / Parcel Number

Primary APN	`40-24-19-152-002`
Alternative APNs	`0096188-005400-7` `10004626780`

Exterior

Lot Area	60,635 sqft (1.39 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004626780
Old Parcel Number	00961880054007
Street Address	3214 DUNCAN RD
City	PUNTA GORDA
State	FL
Zip	33982
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CG
Legal Description	RVA 000 0000 0004 RIVER ACRES LT 4 LESS DOT ROW PARCEL-110-B 749/973 752/1204 2132/96 4486/1787
Legal Range	24E
Legal Township	40S
Legal Section	19
Legal Subdivision	RIVER ACRES
Legal Lot Number	4
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1085
Census Tract	10100

Owner

3214 Duncan Rd, a commercial property, is owned by two individuals who bought it in September 2019.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	2 Individual Names on File
Mailing Address	55 SABAL DR, PUNTA GORDA, FL 33950-5071
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on File
Deed Sale	Sep 25, 2019 · Amount on File
Deed Document Number	2746683
Record Updated	Jun 8, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 25, 2019
Property Address	3214 DUNCAN RD, PUNTA GORDA, FL 33982
Document Number	0044861787
Book / Page	004486 / 001787
Instrument Date	Sep 25, 2019
Instrument	2746683
Transaction Type	Transfer
Record Updated	Oct 11, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$945.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 SABAL DR PUNTA GORDA FL 339505071, PUNTA GORDA, FL 33950-5071

Tax Assessment & Valuation

The 2025 property tax bill for 3214 Duncan Rd was $1,378.

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	$1,378.00	$83,005	$121,270 Land $121,270
2023	$1,405.00 (+13.95%)	$68,599 (-4.93%)	$103,080 (+42.86%) Land $103,080
2022	$1,233.00	$72,156 Land $72,156	$72,156 Land $72,156

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

Flood

FEMA maps place 3214 Duncan Rd 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	11.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3214 Duncan Rd is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20