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42304 Saddleback Trl, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 42304 Saddleback Trl, Punta Gorda, FL 33982

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,210 sqft · built 2020
Lot Size0.205 acres (8,971 sqft)
OwnerIndividual Name on File
Last Sale$344,700 (Oct 2020)
Tax Bill$6,803 (2025)
Deeds & MortgagesOct 2020 Sale & Mortgage
Oct 2019 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN42-26-30-306-004

Property Details

APN / Parcel Number

Primary APN42-26-30-306-004
Alternative APN
  • 10004733655

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area2,210 sqft Living Area
Gross Area3,112 sqft
FlooringCovered

Exterior

Year BuiltBuilt 2020
Exterior MaterialComposition/Composite
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialComposition Shingle
Lot Area8,971 sqft (0.205 acres)
DrivewayDriveway
Driveway Area384 sqft
Parking Spaces2 Parking Spaces
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number10004733655
Street Address42304 SADDLEBACK TRL
CityPUNTA GORDA
StateFL
Zip33982-5021
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBOZD
Legal DescriptionBCR 01A 0000 0133 BABCOCK RANCH COMMUNITY PHASE 1A & TOWN SQUARE LOT 133 4209/1633 4494/1188 4642/110
Legal Range26E
Legal Township42S
Legal Section30
Legal SubdivisionBABCOCK RANCH
Legal Phase1A
Legal Lot Number133
Legal UnitY
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group1
Census Block1109
Census Tract10100

Owner

42304 Saddleback Trl is owned and occupied by an individual who bought it in October 2020.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address42304 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 6, 2020Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
EAGLE HOME MORTGAGE LLC
Oct 16, 2019Grant Deed, Transfer
SUNCOAST TITLE COMPANY, SUNCOAST TITLE CO
Jun 15, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 6, 2020 · Amount on File
Deed SaleOct 6, 2020 · Amount on File
Prior SaleJun 15, 2017 · Amount on File
Deed Document Number2858807
Deed Book / Page4642 / 110
Record UpdatedJun 8, 2026

October 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionCHARLOTTE FL
Recording DateOct 6, 2020
Property Address42304 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number0046420110
Book / Page4642 / 110
Map ReferenceMB 22 PG 6
Instrument DateSep 25, 2020
Instrument2858807
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 27, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,412.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10481 BEN C PRATT/6 MILE CYPRESS PKWY, 10481, FORT MYERS, FL 33966-6460

Transferred To (Grantee/Buyer)

NameVerified Name
Address42304 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
InvestorPossibly a Property Investor

Mortgage

Document Number0004642117
DateOct 6, 2020
Instrument4642/117
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2050

October 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLOTTE FL
Recording DateOct 16, 2019
Property Address42304 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number0044941188
Book / Page004494 / 001188
Instrument DateOct 15, 2019
Instrument2752489
Transaction TypeTransfer
Record UpdatedNov 1, 2019
Title CompanySUNCOAST TITLE COMPANY, SUNCOAST TITLE CO

Transaction

AmountAmount on Record
Tax$3,675.00
Amount AccuracyConfirmed
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

June 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLOTTE FL
Recording DateJun 15, 2017
Property Address42304 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number0042091633
Book / Page004209 / 001633
Instrument DateJun 12, 2017
Instrument2531543
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$2,512.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address710 N PLANKINTON AVE #1200 MILWAUKEE WI 532032418, 1200, MILWAUKEE, WI 53203-2418
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 42304 Saddleback Trl was $6,803.

Source: Charlotte County assessment roll, as of July 1, 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$6,803.00$440,499$502,713 Land $111,000 Building $391,713
2023$8,923.00 (+10.83%)$364,049 (-12.54%)$456,751 (+9.73%) Land $77,000 Building $379,751
2022$8,051.00$416,249 Land $63,750 Building $352,499$416,249 Land $63,750 Building $352,499

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

Flood

FEMA maps place 42304 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 42304 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 RiskModerate
above 53% of the US · lower than 75% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 138 locations within half a mile, as of December 31, 2025

ProviderMax 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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