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42287 Saddleback Trl, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 42287 Saddleback Trl, Punta Gorda, FL 33982

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,301 sqft · built 2019
Lot Size0.206 acres (8,988 sqft)
Owner2 Individual Names on Record
Last Sale$399,700 (Mar 2020)
Tax Bill$3,732 (2025)
Deeds & MortgagesOct 2026 Sale
Mar 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN422630303015

Property Details

APN / Parcel Number

Primary APN422630303015
Alternative APN
  • 10004733585

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area2,301 sqft Living Area
Gross Area3,380 sqft
1st Floor Area2,301 sqft

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialMasonry/Stucco
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area8,988 sqft (0.206 acres)
View / LotWaterfront
Garage TypeAttached
Garage Area619 sqft
DrivewayDriveway
Driveway Area840 sqft
Parking Spaces2 Parking Spaces
Pool Area64 sqft
PorchSlab
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address42287 SADDLEBACK TRL
CityPUNTA GORDA
StateFL
Zip33982-5026
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBOZD
Legal DescriptionBABCOCK RANCH COMMUNITY PHASE 1A & TOWN SQUARE LOT 58 4416/1732 4554/181
Legal Range26E
Legal Township42S
Legal Section30
Legal SubdivisionBABCOCK RANCH COMMUNITY PHASE 1A & TOWN
Legal Lot Number58
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group1
Census Block1070
Census Tract10100

Owner

Source: Charlotte County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address42287 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 6, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Mar 19, 2020Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
EAGLE HOME MORTGAGE LLC
Mar 18, 2019Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 19, 2020 · Amount on Record
Deed SaleMar 19, 2020 · Amount on Record
Prior SaleMar 18, 2019 · Amount on Record
Deed Document Number20202797462
Deed Book / Page4554 / 181
Last Transfer DateSep 25, 2026
Transfer Doc0003690106
Record UpdatedOct 29, 2026

October 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateOct 6, 2026
Property Address42287 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Document Number0003690106
Instrument DateSep 25, 2026
Instrument20263690106
Transaction TypeTransfer
Record UpdatedOct 16, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
Tax$70.70
Amount AccuracyFull Amount Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address42287 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026

March 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionCHARLOTTE FL
Recording DateMar 19, 2020
Property Address42287 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Document Number0045540181
Book / Page4554 / 181
Map ReferenceMB 22 PG 6
Instrument DateFeb 28, 2020
Instrument2797462
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 27, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,797.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address42287 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026

Mortgage

Document Number0045540185
DateMar 19, 2020
Instrument4554/0185
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2050

March 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLOTTE FL
Recording DateMar 18, 2019
Property Address42287 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Document Number0044161732
Book / Page004416 / 001732
Instrument DateMar 4, 2019
Instrument2692453
Transaction TypeTransfer
Record UpdatedMar 28, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$1,561.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address10481 BEN C PRATT/6 MILE CYPRESS PKWY FORT MYERS FL 339666460, FORT MYERS, FL 33966-6460
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCharlotte County
Unified School DistrictCharlotte County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,732.00 (-49.99%)$373,140 (+5.99%)$575,603 (+11.56%) Land $94,350 Building $481,253
2023$7,462.00 (+4.35%) Homeowner's exemption$352,062 (+3%)$515,949 (+7.91%) Land $77,000 Building $438,949
2022$7,151.00 Homeowner's exemption$341,808$478,115 Land $63,750 Building $414,365

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 518 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies870 units insured
incl. 352 condo units
Nearby Flood Claims11 (1995–2024)
Claims Outside the SFHA4 of 11
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 3 claims
  • Hurricane Irma, Sep 2017 · 4 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

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

Wildfire RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOWN AND COUNTRY UTILITY
private · serves 13,427 people · EPA ID FL5084116
Water SourceGroundwater
Last State InspectionFeb 2024
LeadUnder 1 ppb (2022)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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