3282 Dover Dr, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 3282 Dover Dr, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,003 sqft · built 1988
Lot Size	0.344 acres (14,999 sqft)
Owner	2 Trust Names on Record
Last Sale	$285,000 (Jun 2017)
Tax Bill	$3,367 (2025)
Deeds & Mortgages	Oct 2021 Transfer Jun 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`402322310002`

Property Details

APN / Parcel Number

Primary APN	`402322310002`
Alternative APNs	`00839960000002` `10004622272`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,003 sqft Living Area
Gross Area	2,938 sqft
1st Floor Area	2,003 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	14,999 sqft (0.344 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	442 sqft
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Pool Area	312 sqft
Porch	Enclosed/Screened Porch
Porch Area	493 sqft
Loading Dock	192 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00839960000002
Street Address	3282 DOVER DR
City	PUNTA GORDA
State	FL
Zip	33983-3584
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	HRBR HTS SEC 4 REV PART 4 BLK 97A LTS 87 88 89 582/925 800/384 DC842/2045 1611/2198 AFF1656/694 1656/693 2301/1554 4204/1390 4858/2052
Legal Range	23E
Legal Township	40S
Legal Section	22
Legal Subdivision	HRBR HTS
Legal Tract	HBH
Legal Block	97A
Legal Lot Number	87
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1055
Census Tract	21001

Owner

Source: Charlotte County records, as of November 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	3282 DOVER DR, PUNTA GORDA, FL 33983-3584
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Jun 1, 2017	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on Record
Deed Sale	Jun 1, 2017 · Amount on Record
Prior Sale	Nov 9, 1998 · Amount on Record
Deed Document Number	20172527849
Deed Book / Page	4204 / 1390
Last Transfer Date	Oct 15, 2021
Transfer Doc	0048582052
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 15, 2021
Property Address	3282 DOVER DR, PUNTA GORDA, FL 33983-3584
Document Number	0048582052
Book / Page	4858 / 2052
Map Reference	MB 3 PG 79
Instrument Date	Oct 15, 2021
Instrument	3010232
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3282 DOVER DR, PUNTA GORDA, FL 33983-3584

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 1, 2017
Property Address	3282 DOVER DR, PUNTA GORDA, FL 33983-3584
Document Number	0042041390
Book / Page	4204 / 1390
Map Reference	MB3 PG79
Instrument Date	May 31, 2017
Instrument	2527849
Transaction Type	Transfer
Record Updated	Nov 2, 2021
Title Company	R & R TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3282 DOVER DR, PUNTA GORDA, FL 33983-3584

Mortgage

Document Number	2527850
Date	Jun 1, 2017
Instrument	2527850

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$3,367.00 (-25.95%) Homeowner's exemption Widower's exemption	$268,198 (+5.99%)	$404,319 (+7.51%) Land $112,200 Building $292,119
2024	$4,547.00 (+0.66%)
2023	$4,517.00 (+2.89%) Homeowner's exemption Widower's exemption	$253,048 (+3%)	$376,064 (+6.38%) Land $165,000 Building $211,064
2022	$4,390.00 Homeowner's exemption Widower's exemption	$245,678	$353,514 Land $102,000 Building $251,514

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 375 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	375 in force
Nearby Flood Claims	161 (1982–2025)
Claims Outside the SFHA	7 of 161
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 74 claims Hurricane Helene, Sep 2024 · 32 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 19 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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	CHARLOTTE HARBOR WATER ASSN. private · serves 4,722 people · EPA ID FL6080044
Water Source	Purchased surface water from CHARLOTTE COUNTY UTILITIES
Last State Inspection	May 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 212 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
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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