42403 Edgewater Dr, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 42403 Edgewater Dr, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,210 sqft · built 2020
Lot Size	0.295 acres (12,887 sqft)
Owner	Individual Name on Record
Last Sale	$730,000 (May 2024)
Tax Bill	$6,528 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-26-30-201-001`

Property Details

APN / Parcel Number

Primary APN	`42-26-30-201-001`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,210 sqft Living Area
Gross Area	3,492 sqft
Flooring	Covered

Exterior

Year Built	Built 2020
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	12,887 sqft (0.295 acres)
Driveway	Driveway
Driveway Area	640 sqft
Parking Spaces	4 Parking Spaces
Pool Area	36 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	42403 EDGEWATER DR
City	PUNTA GORDA
State	FL
Zip	33982-2194
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOZD
Legal Description	BCE 002 0000 1184 BABCOCK RANCH COMMUNITY EDGEWATER PHASE 2 LOT 1184 (12887SF) 4518/730 E4518/732 3405224
Legal Range	26E
Legal Township	42S
Legal Section	30
Legal Subdivision	BABCOCK RANCH
Legal Phase	2
Legal Lot Number	1184
Legal Unit	Y
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1064
Census Tract	10100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	42403 EDGEWATER DR, PUNTA GORDA, FL 33982-2194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2024 · Amount on Record
Deed Sale	May 14, 2024 · Amount on Record
Deed Document Number	3405224
Record Updated	Jun 8, 2026

May 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 14, 2024
Property Address	42403 EDGEWATER DR, PUNTA GORDA, FL 33982-2194
Document Number	0003405224
Map Reference	MB 24 PG 1A&1B
Instrument Date	May 10, 2024
Instrument	3405224
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 11, 2025
Title Company	NEW MARKET TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24311 WALDEN CENTER DR # DR20, DR20, BONITA SPRINGS, FL 34134-4937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4243 EDGEWATER DR, PUNTA GORDA, FL 33982

Mortgage

Document Number	0003405225
Date	May 14, 2024
Instrument	3405225

Lender

Name	SUNCOAST CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jul 1, 2027
Change Frequency	3 Years
Min Rate At Change	2.5%
Max Rate At Change	6.5%
Index	3-Year TN
Max Rate	10%

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	$6,528.00 (-40.83%) Homeowner's exemption	$476,847 (-3.26%)	$581,945 (-6.03%) Land $142,000 Building $439,945
2023	$11,033.00 (+10.02%)	$492,914 (-8.55%)	$619,305 (+14.91%) Land $142,000 Building $477,305
2022	$10,028.00	$538,969 Land $116,875 Building $422,094	$538,969 Land $116,875 Building $422,094

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

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	High above 70% of the US · above 51% of Florida
Wildfire Likelihood	0.3% 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20