390 Hazel Cir, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 390 Hazel Cir, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,400 sqft · built 1980
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$227,000 (Jun 2026)
Tax Bill	$2,174 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`402301405008`

Property Details

APN / Parcel Number

Primary APN	`402301405008`
Alternative APNs	`00893540000005` `10004605235`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00893540000005
Street Address	390 HAZEL CIR
City	PUNTA GORDA
State	FL
Zip	33982-8226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PEACE RIVER SH UN 7 BLK L LTS 3 & 4 207/343 220/221 PR01-1531 951/2065 QCD1155/1793 1162/1843 CT1227/553 1236/1680 1264/2014 1271/465 1317/1912 1354/468 1739/2202 1985/1853 DC2035/1952-WR 2035/1956 UNREC DC-VWG PR2024-139-
Legal Range	23E
Legal Township	40S
Legal Section	01
Legal Subdivision	PEACE RIVER SH
Legal Tract	PRS
Legal Block	L
Legal Lot Number	3,4
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1069
Census Tract	10200

Owner

390 Hazel Cir is owned and occupied by an individual who bought it in June 2026.

Source: Charlotte County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	390 HAZEL CIR, PUNTA GORDA, FL 33982-8226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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	Name on Deed
Last Sale	Jun 16, 2026 · Amount on File
Deed Sale	Jun 16, 2026 · Amount on File
Prior Sale	Feb 27, 2025 · Amount on File
Deed Document Number	20263655017
Prior Transfer Date	Dec 28, 1993
Prior Transfer Doc	1317001912
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 16, 2026
Property Address	390 HAZEL CIR, PUNTA GORDA, FL 33982-8226
Document Number	0003655017
Instrument Date	Jun 15, 2026
Instrument	20263655017
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160,489.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 HAZEL CIR, PUNTA GORDA, FL 33982-8226

Mortgage

Document Number	0003655018,
Date	Jun 16, 2026
Instrument	20263655018

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 390 Hazel Cir was $2,174.

Source: Charlotte County assessment roll, as of March 4, 2026

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	$2,174.00	$101,793 Land $11,220 Building $90,573	$101,793 Land $11,220 Building $90,573
2023	$3,704.00 (+131.79%)	$136,911 (+310.09%)	$92,041 (-25.08%) Land $40,080 Building $51,961
2022	$1,598.00 Homeowner's exemption Widower's exemption	$33,386	$122,860 Land $30,600 Building $92,260

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 390 Hazel Cir in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1982.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 126 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	68 (1982–2024)
Claims Outside the SFHA	4 of 68
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 29 claims Hurricane Helene, Sep 2024 · 14 claims Hurricane Ian, Sep 2022 · 7 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 390 Hazel Cir is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% 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 52 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