Charlotte County property record for 42223 Saddleback Trl, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,301 sqft · built 2019 |
| Lot Size | 0.271 acres (11,847 sqft) |
| Owner | Individual Name on File |
| Last Sale | $610,000 (Jan 2026) |
| Tax Bill | $2,027 (2025) |
| Deeds & Mortgages | Jan 2026 Sale Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-26-30-303-023 |
| Primary APN | 42-26-30-303-023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,301 sqft Living Area |
| Gross Area | 3,413 sqft |
| Flooring | Covered |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Composition/Composite |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 11,847 sqft (0.271 acres) |
| Garage Area | 619 sqft |
| Driveway | Driveway |
| Driveway Area | 840 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 64 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004733593 |
|---|---|
| Street Address | 42223 SADDLEBACK TRL |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-5024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOZD |
| Legal Description | BCR 01A 0000 0066 BABCOCK RANCH COMMUNITY PHASE 1A & TOWN SQUARE LOT 66 4450/1116 4569/1186 |
| Legal Range | 26E |
| Legal Township | 42S |
| Legal Section | 30 |
| Legal Subdivision | BABCOCK RANCH |
| Legal Phase | 1A |
| Legal Lot Number | 66 |
| Legal Unit | Y |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1070 |
| Census Tract | 10100 |
42223 Saddleback Trl is owned and occupied by an individual who bought it in January 2026.
Source: Charlotte County records, as of February 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 42223 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 26, 2026 | Warranty Deed, Transfer SCA TITLE LLC, CAH TITLE LLC |
| Apr 29, 2020 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Jun 18, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 26, 2026 · Amount on File |
| Deed Sale | Jan 26, 2026 · Amount on File |
| Prior Sale | Apr 29, 2020 · Amount on File |
| Deed Document Number | 3607606 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jan 26, 2026 |
| Property Address | 42223 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5024 |
| Document Number | 0003607606 |
| Map Reference | MB 22 PG 6A-6P |
| Instrument Date | Jan 23, 2026 |
| Instrument | 3607606 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2026 |
| Title Company | SCA TITLE LLC, CAH TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $4,270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 42223 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5024 |
| Name | Verified Name |
|---|---|
| Address | 42223 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5024 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 29, 2020 |
| Property Address | 42223 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5024 |
| Document Number | 0045691186 |
| Book / Page | 4569 / 1186 |
| Map Reference | MB 22 PG 6 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 2807720 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,683.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10481 BEN C PRATT SIX MILE CYPESS PKWY, 10481, FORT MYERS, FL 33966 |
| Name | Verified Name |
|---|---|
| Address | 42223 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5024 |
| Document Number | 0045691190 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 4569/1190 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 18, 2019 |
| Property Address | 42223 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5024 |
| Document Number | 0044501116 |
| Book / Page | 004450 / 001116 |
| Instrument Date | Jun 6, 2019 |
| Instrument | 2719071 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,518.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10481 BEN C PRATT/6 MILE CYPRESS PKWY FORT MYERS FL 339666460, FORT MYERS, FL 33966-6460 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 42223 Saddleback Trl was $2,027 with a homeowner's exemption.
Source: Charlotte County assessment roll, as of July 1, 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 | $2,027.00 Homeowner's exemption | $175,585 | $568,649 Land $111,000 Building $457,649 |
| 2023 | $4,567.00 (+5.6%) Homeowner's exemption | $165,667 (+3%) | $516,045 (+7.72%) Land $77,000 Building $439,045 |
| 2022 | $4,325.00 Homeowner's exemption | $160,842 | $479,073 Land $63,750 Building $415,323 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 42223 Saddleback Trl in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1995.
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 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 42223 Saddleback Trl is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 | 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 116 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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