42311 Saddleback Trl, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 42311 Saddleback Trl, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,966 sqft · built 2018
Lot Size	0.206 acres (9,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Dec 2022)
Tax Bill	$4,550 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`42-26-30-303-012`

Property Details

APN / Parcel Number

Primary APN	`42-26-30-303-012`
Alternative APN	`10004733582`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,966 sqft Living Area
Gross Area	2,918 sqft
Flooring	Covered

Exterior

Year Built	Built 2018
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	9,011 sqft (0.206 acres)
Garage Area	488 sqft
Driveway	Driveway
Driveway Area	477 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004733582
Street Address	42311 SADDLEBACK TRL
City	PUNTA GORDA
State	FL
Zip	33982-5026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOZD
Legal Description	BCR 01A 0000 0055 BABCOCK RANCH COMMUNITY PHASE 1A & TOWN SQUARE LOT 55 4197/1864 4282/1365 3183399 L/E353991
Legal Range	26E
Legal Township	42S
Legal Section	30
Legal Subdivision	BABCOCK RANCH
Legal Phase	1A
Legal Lot Number	55
Legal Unit	Y
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1070
Census Tract	10100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Co-owner	2 Co-owners on Record
Mailing Address	42311 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Dec 7, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Feb 16, 2018	Grant Deed, Transfer · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
May 11, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Dec 7, 2022 · Amount on Record
Deed Sale	Dec 7, 2022 · Amount on Record
Prior Sale	Dec 7, 2022 · Amount on Record
Deed Document Number	0003183399
Last Transfer Date	Jun 20, 2025
Transfer Doc	0003539912
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	42311 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42311 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026

Mortgage

Document Number	0048760374
Date	Nov 15, 2021
Book Page	4876/374
Instrument	3022231

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 7, 2022
Property Address	42311 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Document Number	0003183399
Map Reference	MB 22 PG 6A-6P
Instrument Date	Dec 6, 2022
Instrument	3183399
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	SUPERIOR TITLE AND CLOSINGS LLC, SUPERIOR TTL & CLOSINGS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 BARTONS RIDGE RD, GREENVILLE, NH 03048-3201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42311 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026

Mortgage

Document Number	0003183400
Date	Dec 7, 2022
Instrument	3183400

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 16, 2018
Property Address	42311 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Document Number	0042821365
Book / Page	004282 / 001365
Instrument Date	Feb 14, 2018
Instrument	2587530
Transaction Type	Transfer
Record Updated	Jul 12, 2018
Title Company	SUNCOAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,743.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9171 ASTONIA WAY

Mortgage

Document Number	42821366
Date	Feb 16, 2018
Book Page	004282/001366
Instrument	2587531

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 15, 2048

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 11, 2017
Property Address	42311 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Document Number	0041971864
Book / Page	004197 / 001864
Instrument Date	May 5, 2017
Instrument	2522966
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,655.00
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

Tax Assessment & Valuation

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	$4,550.00 (-18.14%) Homeowner's exemption	$344,458 (+5.99%)	$529,178 (+12.21%) Land $111,000 Building $418,178
2023	$5,558.00 (+11.99%) Homeowner's exemption	$325,000 (+7.7%)	$471,591 (+14.16%) Land $77,000 Building $394,591
2022	$4,963.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$301,763	$413,097 Land $63,750 Building $349,347

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

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 Record 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

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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