Charlotte County property record for 42186 Edgewater Dr, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,812 sqft · built 2022 |
| Lot Size | 0.136 acres (5,908 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (Aug 2026) |
| Tax Bill | $7,445 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Nov 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422630202018 |
| Primary APN | 422630202018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| Gross Area | 2,388 sqft |
| 1st Floor Area | 1,812 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,908 sqft (0.136 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Driveway |
| Driveway Area | 472 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 42186 EDGEWATER DR |
|---|---|
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-2272 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOZD |
| Legal Description | BABCOCK RANCH COMMUNITY EDGEWATER LOT 1246 4518/730 E4518/732 3174752 (5908 SF) |
| Legal Range | 26E |
| Legal Township | 42S |
| Legal Section | 30 |
| Legal Subdivision | BABCOCK RANCH COMMUNITY EDGEWATER |
| Legal Lot Number | 1246 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 10100 |
42186 Edgewater Dr is owned and occupied by two individuals who bought it in August 2026.
Source: Charlotte County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 42186 EDGEWATER DR, PUNTA GORDA, FL 33982-2272 |
| 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.
| Date | Document |
|---|---|
| Aug 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage EMM LOANS LLC |
| Nov 21, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2026 · Amount on File |
| Deed Sale | Aug 20, 2026 · Amount on File |
| Prior Sale | Nov 21, 2022 · Amount on File |
| Deed Document Number | 20263675928 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Aug 20, 2026 |
| Property Address | 42186 EDGEWATER DR, PUNTA GORDA, FL 33982-2272 |
| Document Number | 0003675928 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 20263675928 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2026 |
| Title Company | SOUTH FLORIDA TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240,380.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 42186 EDGEWATER DR, PUNTA GORDA, FL 33982-2272 |
| Document Number | 0003675929, |
|---|---|
| Date | Aug 20, 2026 |
| Instrument | 20263675929 |
| Name | EMM LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Nov 21, 2022 |
| Property Address | 42186 EDGEWATER DR, PUNTA GORDA, FL 33982-2272 |
| Document Number | 0003174752 |
| Map Reference | MB 23 PG 11A-11P |
| Instrument Date | Nov 15, 2022 |
| Instrument | 3174752 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24311 WALDEN CENTER DR # DR300, DR300, BONITA SPRINGS, FL 34134-4937 |
| Name | Verified Name |
|---|---|
| Address | 42186 EDGEWATER DR, BABCOCK RANCH, FL 33982-2272 |
| Document Number | 0003174753 |
|---|---|
| Date | Nov 21, 2022 |
| Instrument | 3174753 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
The 2025 property tax bill for 42186 Edgewater Dr was $7,445.
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 | $7,445.00 | $328,069 Land $55,250 Building $272,819 | $328,069 Land $55,250 Building $272,819 |
| 2023 | $5,825.00 (+172.2%) Homeowner's exemption | $260,066 (+919.87%) | $377,835 (+1,381.71%) Land $64,000 Building $313,835 |
| 2022 | $2,140.00 | $25,500 Land $25,500 | $25,500 Land $25,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 42186 Edgewater Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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 42186 Edgewater Dr is high, ranking above 76% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOWN AND COUNTRY UTILITY private · serves 13,427 people · EPA ID FL5084116 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 940 / 940 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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