42288 Saddleback Trl, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 42288 Saddleback Trl, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,234 sqft · built 2020
Lot Size	0.171 acres (7,481 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Nov 2025)
Tax Bill	$2,909 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Dec 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`42-26-30-306-002`

Property Details

APN / Parcel Number

Primary APN	`42-26-30-306-002`
Alternative APN	`10004733653`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,234 sqft Living Area
Gross Area	3,112 sqft
Flooring	Covered

Exterior

Year Built	Built 2020
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	7,481 sqft (0.171 acres)
Driveway	Driveway
Driveway Area	408 sqft
Parking Spaces	2 Parking Spaces
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004733653
Street Address	42288 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 0131 BABCOCK RANCH COMMUNITY PHASE 1A & TOWN SQUARE LOT 131 4254/2061 4494/1188 4686/215
Legal Range	26E
Legal Township	42S
Legal Section	30
Legal Subdivision	BABCOCK RANCH
Legal Phase	1A
Legal Lot Number	131
Legal Unit	Y
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1109
Census Tract	10100

Owner

42288 Saddleback Trl is owned and occupied by an individual who bought it in November 2025.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	42288 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.

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer · Conventional Mortgage TD BANK NA
Dec 31, 2020	Grant Deed, Subdivision Related Transfer LENNAR TITLE INC
Oct 16, 2019	Grant Deed, Transfer SUNCOAST TITLE COMPANY, SUNCOAST TITLE CO
Nov 15, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	Jan 24, 2025
Deed Document Number	3589621
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 21, 2025
Property Address	42288 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0003589621
Map Reference	MB 22 PG 6A-6P
Instrument Date	Nov 14, 2025
Instrument	3589621
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	NEW MARKET TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8248 SAN CARLOS BLVD, FORT MYERS, FL 33967-6189

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42288 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021

Mortgage

Document Number	0003589622
Date	Nov 21, 2025
Instrument	3589622

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 31, 2020
Property Address	42288 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0046860215
Book / Page	004686 / 000215
Instrument Date	Dec 10, 2020
Instrument	2888573
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 1, 2021
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Tax	$2,328.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42288 SADDLEBACK TRL PUNTA GORDA FL 339825021, PUNTA GORDA, FL 33982-5021
Investor	Possibly a Property Investor

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 16, 2019
Property Address	42288 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0044941188
Book / Page	004494 / 001188
Instrument Date	Oct 15, 2019
Instrument	2752489
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	SUNCOAST TITLE COMPANY, SUNCOAST TITLE CO

Transaction

Amount	Amount on Record
Tax	$3,675.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 15, 2017
Property Address	42288 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0042542061
Book / Page	004254 / 002061
Instrument Date	Nov 8, 2017
Instrument	2565476
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2,341.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	710 N PLANKINTON AVE #1200 MILWAUKEE WI 532032418, 1200, MILWAUKEE, WI 53203-2418
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 42288 Saddleback Trl was $2,909 with a homeowner's exemption.

Source: Charlotte County assessment roll, as of July 1, 2025

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	$2,909.00 Homeowner's exemption	$234,608	$504,941 Land $111,000 Building $393,941
2023	$5,326.00 (+5.19%) Homeowner's exemption	$221,355 (+3%)	$459,085 (+9.8%) Land $77,000 Building $382,085
2022	$5,063.00 Homeowner's exemption	$214,908	$418,104 Land $63,750 Building $354,354

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.

Flood

FEMA maps place 42288 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	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

Wildfire risk around 42288 Saddleback Trl is moderate, ranking above 53% 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 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hotwire Communications.

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