42320 Saddleback Trl, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 42320 Saddleback Trl, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,220 sqft · built 2020
Lot Size	0.243 acres (10,585 sqft)
Owner	Trust Name on File
Last Sale	$328,000 (Oct 2020)
Tax Bill	$6,002 (2025)
Deeds & Mortgages	Oct 2020 Sale Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`422630306006`

Property Details

APN / Parcel Number

Primary APN	`422630306006`
Alternative APN	`10004733657`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,220 sqft Living Area
Gross Area	3,112 sqft
1st Floor Area	2,220 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	10,585 sqft (0.243 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	472 sqft
Driveway	Driveway
Driveway Area	384 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	42320 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 135 4581/2037 4652/1588
Legal Range	26E
Legal Township	42S
Legal Section	30
Legal Subdivision	BABCOCK RANCH COMMUNITY PHASE 1A & TOWN
Legal Lot Number	135
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1109
Census Tract	10100

Owner

42320 Saddleback Trl is owner-occupied and held in a trust since October 2020.

Source: Charlotte County records, as of June 9, 2026

Owner of Record	Trust Name on File
Mailing Address	42320 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Oct 28, 2020	Grant Deed, Subdivision Related Transfer LENNAR TITLE INC
Jun 2, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2020 · Amount on File
Deed Sale	Oct 28, 2020 · Amount on File
Deed Document Number	20202866462
Deed Book / Page	4652 / 1588
Record Updated	Sep 20, 2026

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 28, 2020
Property Address	42320 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0046521588
Book / Page	004652 / 001588
Instrument Date	Oct 21, 2020
Instrument	2866462
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 1, 2020
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Tax	$2,296.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	42320 SADDLEBACK TRL PUNTA GORDA FL 339825021, PUNTA GORDA, FL 33982-5021

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 2, 2020
Property Address	42320 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5021
Document Number	0045812037
Book / Page	004581 / 002037
Instrument Date	May 20, 2020
Instrument	2816376
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,374.00
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

Tax Assessment & Valuation

The 2025 property tax bill for 42320 Saddleback Trl was $6,002 with exemptions applied.

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	$6,002.00 Homeowner's exemption Disabled Person's exemption	$263,679	$476,740 Land $94,350 Building $382,390
2023	$5,674.00 (+3.71%) Homeowner's exemption Disabled Person's exemption	$248,784 (+3%)	$457,800 (+9.76%) Land $77,000 Building $380,800
2022	$5,471.00 Homeowner's exemption Disabled Person's exemption	$241,538	$417,088 Land $63,750 Building $353,338

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

Flood

FEMA maps place 42320 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 42320 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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