42431 Cascade Dr, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 42431 Cascade Dr, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 2023
Lot Size	0.167 acres (7,308 sqft)
Owner	Individual Name on Record
Last Sale	$400,500 (Jun 2023)
Tax Bill	$4,497 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-26-19-302-048`

Property Details

APN / Parcel Number

Primary APN	`42-26-19-302-048`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,650 sqft Living Area
Gross Area	2,263 sqft
Flooring	Covered

Exterior

Year Built	Built 2023
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	7,308 sqft (0.167 acres)
Driveway	Driveway
Driveway Area	374 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	42431 CASCADE DR
City	PUNTA GORDA
State	FL
Zip	33982-2586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOZD
Legal Description	BNR 001 0000 2264 BABCOCK RANCH COMMUNITY NORTHRIDGE PHASE 1 LOT 2264 3284219
Legal Subdivision	BABCOCK RANCH
Legal Phase	1
Legal Lot Number	2264
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	42431 CASCADE DR, PUNTA GORDA, FL 33982-2586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Deed Document Number	3284219
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 28, 2023
Property Address	42431 CASCADE DR, PUNTA GORDA, FL 33982-2586
Document Number	0003284219
Map Reference	MB 24 PG 20A-20Q
Instrument Date	Jun 21, 2023
Instrument	3284219
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 22, 2023
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,803.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24311 WALDEN CENTER DR # DR300, DR300, BONITA SPRINGS, FL 34134-4937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42431 CASCADE DR, BABCOCK RANCH, FL 33982-2586

Mortgage

Document Number	0003284220
Date	Jun 28, 2023
Instrument	3284220

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jul 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	Other
Margin	3
Max Rate	10.8%

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	$4,497.00 (+43.58%) Homeowner's exemption	$340,872 (+1,140.03%)	$396,017 (+438.8%) Land $84,500 Building $311,517
2023	$3,132.00 (+29.37%)	$27,489 (+1%)	$73,500 (+194.12%) Land $73,500
2022	$2,421.00	$24,990 Land $24,990	$24,990 Land $24,990

Assessed value is set for property tax purposes, not a market price estimate; it is 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	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	940 / 940
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20