Charlotte County property record for 3829 Saba Ct, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,427 sqft · built 1981 |
| Lot Size | 0.233 acres (10,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $413,500 (May 2020) |
| Tax Bill | $7,682 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit May 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 41-22-23-178-004 |
| Primary APN | 41-22-23-178-004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,427 sqft Living Area |
| Gross Area | 3,511 sqft |
| Year Built | Built 1981 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Ceramic Tile |
| Lot Area | 10,178 sqft (0.233 acres) |
| Garage Area | 483 sqft |
| Driveway | Driveway |
| Driveway Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 426 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 601 sqft |
| Loading Dock | 210 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10004695980 |
|---|---|
| Old Parcel Number | 00951600002102 |
| Street Address | 3829 SABA CT |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-8125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PGI 012 0138 0006 PUNTA GORDA ISLES SEC12 BLK138 LT 6 450/996 622/1205 DC4048/1456-JJBJR PR19-1 |
| Legal Range | 22E |
| Legal Township | 41S |
| Legal Section | 23 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 138 |
| Legal Lot Number | 6 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 10405 |
Source: Charlotte County records · APN 41-22-23-178-004
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3829 SABA CT, PUNTA GORDA, FL 33950-8125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 01, 2022 | Deed of Trust, Mortgage · Line of Credit M & T BANK |
| May 20, 2020 | Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 20, 2020 · Amount on Record |
| Deed Sale | May 20, 2020 · Amount on Record |
| Deed Document Number | 2813241 |
| Deed Book / Page | 4577 / 864 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 3829 SABA CT, PUNTA GORDA, FL 33950-8125 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3829 SABA CT, PUNTA GORDA, FL 33950-8125 |
| Document Number | 0049940509 |
|---|---|
| Date | Jun 01, 2022 |
| Book Page | 4994/509 |
| Instrument | 3109714 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 10, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 20, 2020 |
| Property Address | 3829 SABA CT, PUNTA GORDA, FL 33950-8125 |
| Document Number | 0045770864 |
| Book / Page | 4577 / 864 |
| Map Reference | MB 8 PG 6A-6T |
| Instrument Date | May 20, 2020 |
| Instrument | 2813241 |
| Transaction Type | Transfer |
| Record Updated | Feb 07, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,894.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2820 S COURTENAY PKWY, 2820, MERRITT ISLAND, FL 32952-4125 |
| Name | Verified Name |
|---|---|
| Address | 3928 SABA COURT, PUNTA GORDA, FL 33950 |
| Document Number | 0004577866 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 4577/866 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
Source: Charlotte County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Municipality | Punta Gorda City |
| Unified School District | Charlotte County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,682.00 (-7.83%) Homeowner's exemption | $503,284 (+8.18%) | $711,620 (+2.35%) Land $400,000 Building $311,620 |
| 2023 | $8,335.00 (+4.21%) Homeowner's exemption | $465,246 (+3%) | $695,305 (+7.24%) Land $400,000 Building $295,305 |
| 2022 | $7,998.00 Homeowner's exemption | $451,695 | $648,343 Land $294,100 Building $354,243 |
Source: FEMA National Flood Hazard Layer as of September 28, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 1,331 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2,225 units insured incl. 894 condo units |
| Nearby Flood Claims | 127 (2004–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| ALTIUS Communications Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 250 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF PUNTA GORDA serves 36,302 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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