42296 Saddleback Trl, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 42296 Saddleback Trl, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,244 sqft · built 2021
Lot Size	0.172 acres (7,481 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Mar 2023)
Tax Bill	$6,717 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Mar 2023 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`422630306003`

Property Details

APN / Parcel Number

Primary APN	`422630306003`
Alternative APN	`10004733654`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,244 sqft Living Area
Gross Area	3,112 sqft
1st Floor Area	2,244 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	7,481 sqft (0.172 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	448 sqft
Driveway	Driveway
Driveway Area	396 sqft
Parking Spaces	2 Parking Spaces
Pool Area	336 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	42296 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	BABCOCK RANCH COMMUNITY PHASE 1A & TOWN SQUARE LOT 132 4177/323 4494/1188 4701/973 4712/1927 3238950
Legal Range	26E
Legal Township	42S
Legal Section	30
Legal Subdivision	BABCOCK RANCH COMMUNITY PHASE 1A & TOWN
Legal Lot Number	132
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1109
Census Tract	10100

Owner

42296 Saddleback Trl is owned and occupied by two individuals who bought it in March 2023.

Source: Charlotte County records, as of May 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	42296 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Mar 23, 2023	Warranty Deed, Transfer PREMIER REPUTATION TITLE AGCY LLC, PREMIER REPUTATION TITLE
Feb 22, 2021	Warranty Deed, Transfer PREMIER REPUTATION TITLE AGCY LLC, PREMIER REPUTATION TTL AGCY
Feb 1, 2021	Special Warranty Deed, Transfer LENNAR TITLE INC
Oct 16, 2019	Grant Deed, Transfer SUNCOAST TITLE COMPANY, SUNCOAST TITLE CO
Mar 15, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2023 · Amount on File
Deed Sale	Mar 23, 2023 · Amount on File
Prior Sale	Feb 22, 2021 · Amount on File
Deed Document Number	20233238950
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	42296 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42296 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021

Mortgage

Document Number	0003220276
Date	Feb 15, 2023
Instrument	3220276

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 9, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 23, 2023
Property Address	42296 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0003238950
Map Reference	MB 22 PG 6A-6P
Instrument Date	Mar 20, 2023
Instrument	3238950
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	PREMIER REPUTATION TITLE AGCY LLC, PREMIER REPUTATION TITLE

Transaction

Amount	Amount on Record
Tax	$4,690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16354 BONITA LANDING CIR, BONITA SPRINGS, FL 34135-8906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42296 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 22, 2021
Property Address	42296 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0047121927
Book / Page	4712 / 1927
Map Reference	MB 22 PG 6A-6P
Instrument Date	Feb 15, 2021
Instrument	2906701
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	PREMIER REPUTATION TITLE AGCY LLC, PREMIER REPUTATION TTL AGCY

Transaction

Amount	Amount on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1107 COUNTRY CLUB DR, TRENT WOODS, NC 28562-7103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42296 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021

February 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 1, 2021
Property Address	42296 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0047010973
Book / Page	4701 / 973
Map Reference	MB 22 PG 6
Instrument Date	Jan 26, 2021
Instrument	2899019
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Tax	$2,536.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10481 BEN C PRATT/6 MILE CYPRESS PKWY, FORT MYERS, FL 33966-6460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28082 KERRY CT, BONITA SPRINGS, FL 34135-8920

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 16, 2019
Property Address	42296 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

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 15, 2017
Property Address	42296 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0041770323
Book / Page	004177 / 000323
Instrument Date	Mar 9, 2017
Instrument	2507380
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$4,087.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	701 N PLANKINTON AVE #1200 MILWAUKEE WI 53203, 1200, MILWAUKEE, WI 53203
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 42296 Saddleback Trl was $6,717.

Source: Charlotte County assessment roll, as of November 19, 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	$6,717.00	$312,383	$521,924 Land $94,350 Building $427,574
2023		$439,482 (+1.7%)	$500,653 (+15.86%) Land $77,000 Building $423,653
2022	$6,212.00 Homeowner's exemption	$432,115 Land $63,750 Building $368,365	$432,115 Land $63,750 Building $368,365

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 42296 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 42296 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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