Charlotte County property record for 3445 Highlands Rd, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,280 sqft · built 2007 |
| Lot Size | 0.453 acres (19,731 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $3,600 (May 2002) |
| Tax Bill | $2,773 (2025) |
| Deeds & Mortgages | Jul 2026 Transfer May 2026 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 402321495001 |
| Primary APN | 402321495001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,280 sqft Living Area |
| Gross Area | 3,188 sqft |
| 1st Floor Area | 2,280 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,731 sqft (0.453 acres) |
| Garage Type | Attached |
| Garage Area | 608 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed/Screened Porch |
| Porch Area | 300 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 00848110001002 |
|---|---|
| Street Address | 3445 HIGHLANDS RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-3573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | HRBR SEC 9 PART 1 BLK 273 LTS 1 2 28 & 29 1331/2148 CD1346/1205 DC1510/ 2010-BPB PR96-28 1581/1788 2036/767 2856/724 2947/153 REST/COV2979/1699 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 21 |
| Legal Subdivision | HRBR |
| Legal Tract | HBH |
| Legal Block | 273 |
| Legal Lot Number | 1 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 21001 |
3445 Highlands Rd is owned by a company that acquired it in June 2021 and is owner-occupied.
Source: Charlotte County records, as of August 7, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3445 HIGHLANDS RD, PUNTA GORDA, FL 33983-3573 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 24, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| May 21, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 14, 2021 | Intrafamily Transfer, Transfer |
| May 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2002 · Amount on File |
| Deed Sale | May 3, 2002 · Amount on File |
| Prior Sale | Jan 5, 1998 |
| Deed Book / Page | 2036 / 767 |
| Last Transfer Date | Jun 12, 2021 |
| Transfer Doc | 0002958581 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jul 24, 2026 |
| Property Address | 3445 HIGHLANDS RD, PUNTA GORDA, FL 33983-3573 |
| Document Number | 0003667371 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 20263667371 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 3445 HIGHLANDS RD, PUNTA GORDA, FL 33983-3573 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 21, 2026 |
| Property Address | 3445 HIGHLANDS RD, PUNTA GORDA, FL 33983-3573 |
| Document Number | 0003647111 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 20263647111 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 3445 HIGHLANDS RD, PUNTA GORDA, FL 33983-3573 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 14, 2021 |
| Property Address | 3445 HIGHLANDS RD, PUNTA GORDA, FL 33983-3573 |
| Document Number | 0047850536 |
| Book / Page | 4785 / 536 |
| Instrument Date | Jun 12, 2021 |
| Instrument | 2958581 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3445 HIGHLANDS RD, PORT CHARLOTTE, FL 33983-3573 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 3445 HIGHLANDS RD, PUNTA GORDA, FL 33983-3573 |
| Document Number | 0045811466 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3445 HIGHLANDS RD PUNTA GORDA FL 339833573, PUNTA GORDA, FL 33983-3573 |
| Document Number | 0045811466 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | 004581/001466 |
| Instrument | 2816173 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 31, 2045 |
The 2025 property tax bill for 3445 Highlands Rd was $2,773 with a homeowner's exemption, down 12.3% from the year before.
Source: Charlotte County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,773.00 (-12.33%) Homeowner's exemption | $129,498 | $355,669 Land $35,700 Building $319,969 |
| 2024 | $3,163.00 (+2.03%) | ||
| 2023 | $3,100.00 (-0.06%) Homeowner's exemption | $122,183 (+3%) | $338,810 (+2.91%) Land $40,000 Building $298,810 |
| 2022 | $3,102.00 Homeowner's exemption | $118,624 | $329,219 Land $34,000 Building $295,219 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3445 Highlands 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 | 10.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 3445 Highlands Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 123 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 |
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