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42327 Saddleback Trl, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 42327 Saddleback Trl, Punta Gorda, FL 33982

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,293 sqft · built 2019
Lot Size0.243 acres (10,605 sqft)
Owner2 Individual Names on File
Last Sale$322,000 (Jun 2020)
Tax Bill$3,898 (2025)
Deeds & MortgagesAug 2022 Line of Credit
Jun 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN42-26-30-303-010

Property Details

APN / Parcel Number

Primary APN42-26-30-303-010
Alternative APN
  • 10004733580

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,293 sqft Living Area
Gross Area3,368 sqft
FlooringCovered

Exterior

Year BuiltBuilt 2019
Exterior MaterialComposition/Composite
Construction TypeMasonry / Concrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialComposition Shingle
Lot Area10,605 sqft (0.243 acres)
Garage Area620 sqft
DrivewayDriveway
Driveway Area840 sqft
Parking Spaces2 Parking Spaces
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air

Location & Zoning

Account Number10004733580
Street Address42327 SADDLEBACK TRL
CityPUNTA GORDA
StateFL
Zip33982-5026
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeBOZD
Legal DescriptionBCR 01A 0000 0053 BABCOCK RANCH COMMUNITY PHASE 1A & TOWN SQUARE LOT 53 4389/983 4591/1545
Legal Range26E
Legal Township42S
Legal Section30
Legal SubdivisionBABCOCK RANCH
Legal Phase1A
Legal Lot Number53
Legal UnitY
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group1
Census Block1070
Census Tract10100

Owner

42327 Saddleback Trl is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record2 Individual Names on File
Mailing Address42327 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
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
Aug 29, 2022Deed of Trust, Mortgage · Line of Credit
EDISON NATIONAL BANK
Jun 24, 2020Warranty Deed, Subdivision Related Transfer
COASTAL TITLE SERVICES/SW FL LLC, COASTAL TITLE SVCS/SW FL LLC
Dec 17, 2018Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 24, 2020 · Amount on File
Deed SaleJun 24, 2020 · Amount on File
Prior SaleDec 17, 2018 · Amount on File
Deed Document Number2823748
Deed Book / Page4591 / 1545
Record UpdatedJun 8, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address42327 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Transaction TypeMortgage
Record UpdatedAug 22, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0050400630
DateAug 29, 2022
Book Page5040/630
Instrument3144916
Lender
NameEDISON NATIONAL BANK
TypeBank
AddressSANIBEL, FL 33957
Agreement
TypeLine of Credit
AmountAmount on Record
Term120 Months
DueAug 24, 2032

June 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateJun 24, 2020
Property Address42327 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Document Number0045911545
Book / Page004591 / 001545
Instrument DateJun 11, 2020
Instrument2823748
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 13, 2020
Title CompanyCOASTAL TITLE SERVICES/SW FL LLC, COASTAL TITLE SVCS/SW FL LLC

Transaction

AmountAmount on Record
Tax$2,254.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address42327 SADDLEBACK TRL PUNTA GORDA FL 339825026, PUNTA GORDA, FL 33982-5026

December 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCHARLOTTE FL
Recording DateDec 17, 2018
Property Address42327 SADDLEBACK TRL, PUNTA GORDA, FL 33982-5026
Document Number0043890983
Book / Page004389 / 000983
Instrument DateDec 10, 2018
Instrument2670090
Transaction TypeTransfer
Record UpdatedJan 8, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$2,641.80
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

Tax Assessment & Valuation

The 2025 property tax bill for 42327 Saddleback Trl was $3,898 with a homeowner's exemption.

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$3,898.00 Homeowner's exemption$300,816$518,867 Land $111,000 Building $407,867
2023$283,823 (+3%)$469,048 (+10.2%) Land $77,000 Building $392,048
2022$3,794.00 Homeowner's exemption$275,556$425,616 Land $63,750 Building $361,866

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

Flood

FEMA maps place 42327 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 42327 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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