Charlotte County property record for 42280 Saddleback Trl, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,084 sqft · built 2019 |
| Lot Size | 0.478 acres (20,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $850,000 (Jun 2022) |
| Tax Bill | $9,031 (2025) |
| Deeds & Mortgages | Jun 2022 Sale May 2020 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-26-30-306-001 |
| Primary APN | 42-26-30-306-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,084 sqft Living Area |
| Gross Area | 4,393 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 | 20,841 sqft (0.478 acres) |
| Garage Area | 662 sqft |
| Driveway | Driveway |
| Driveway Area | 1,006 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 49 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004733652 |
|---|---|
| Street Address | 42280 SADDLEBACK TRL |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-5021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOZD |
| Legal Description | BCR 01A 0000 0130 BABCOCK RANCH COMMUNITY PHASE 1A & TOWN SQUARE LOT 130 4209/1633 4402/1573 501 |
| Legal Range | 26E |
| Legal Township | 42S |
| Legal Section | 30 |
| Legal Subdivision | BABCOCK RANCH |
| Legal Phase | 1A |
| Legal Lot Number | 130 |
| Legal Unit | Y |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1109 |
| Census Tract | 10100 |
42280 Saddleback Trl is owned and occupied by an individual who bought it in June 2022.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 42280 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021 |
| 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 |
|---|---|
| Jun 30, 2022 | Warranty Deed, Transfer NEW MARKET TITLE LLC |
| May 11, 2020 | Loan Modification, Mortgage · Conventional Mortgage CHEVRON FCU |
| Feb 1, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage CHEVRON FCU |
| Jun 15, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2022 · Amount on File |
| Deed Sale | Jun 30, 2022 · Amount on File |
| Prior Sale | Feb 1, 2019 · Amount on File |
| Deed Document Number | 3122732 |
| Deed Book / Page | 5011 / 1345 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 30, 2022 |
| Property Address | 42280 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021 |
| Document Number | 0050111345 |
| Book / Page | 5011 / 1345 |
| Map Reference | MB 22 PG 6A-6P |
| Instrument Date | Jun 27, 2022 |
| Instrument | 3122732 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Title Company | NEW MARKET TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $5,950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17597 CANOPY CT, PUNTA GORDA, FL 33982-5044 |
| Name | Verified Name |
|---|---|
| Address | 42280 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 42280 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021 |
| Document Number | 0046641333 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2020 |
| Title Company | TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 42280 SADDLEBACK TRL PUNTA GORDA FL 339825021, PUNTA GORDA, FL 33982-5021 |
| Document Number | 0046641333 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 004664/001333 |
| Instrument | 2874767 |
| Name | CHEVRON FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 18, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Feb 1, 2019 |
| Property Address | 42280 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021 |
| Document Number | 0044021573 |
| Book / Page | 4402 / 1573 |
| Map Reference | MB 22 PG 6A-6P |
| Instrument Date | Jan 24, 2019 |
| Instrument | 2680907 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Title Company | SUN COAST TITLE CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,775.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6901 PROFESSIONAL PKWY, 6901, LAKEWOOD RANCH, FL 34240-8457 |
| Name | Verified Name |
|---|---|
| Address | 42280 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021 |
| Document Number | 0002680909 |
|---|---|
| Date | Feb 1, 2019 |
| Instrument | 2680909 |
| Name | CHEVRON FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 15, 2017 |
| Property Address | 42280 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021 |
| Document Number | 0042091633 |
| Book / Page | 004209 / 001633 |
| Instrument Date | Jun 12, 2017 |
| Instrument | 2531543 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $2,512.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 710 N PLANKINTON AVE #1200 MILWAUKEE WI 532032418, 1200, MILWAUKEE, WI 53203-2418 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 42280 Saddleback Trl was $9,031 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 | $9,031.00 Homeowner's exemption | $644,371 | $767,323 Land $111,000 Building $656,323 |
| 2023 | $10,768.00 (+27.34%) Homeowner's exemption | $564,878 (+32.79%) | $644,688 (+16.41%) Land $77,000 Building $567,688 |
| 2022 | $8,456.00 Homeowner's exemption | $425,389 | $553,785 Land $63,750 Building $490,035 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 42280 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 42280 Saddleback Trl is moderate, ranking above 60% 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 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within 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 77 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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