Charlotte County property record for 432 Posadas Cir, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,995 sqft · built 2006 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | Trust Name on File |
| Last Sale | $29,000 (Jun 2004) |
| Tax Bill | $1,937 (2025) |
| Deeds & Mortgages | Nov 2017 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 402303407003 |
| Primary APN | 402303407003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,995 sqft Living Area |
| Gross Area | 2,678 sqft |
| 1st Floor Area | 1,995 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,600 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 242 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952620777503 |
|---|---|
| Street Address | 432 POSADAS CIR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-5848 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | PUNTA GORDA ISLES SEC20 BLK534 LT25 562/822 1483/58 2185/574 2485/597 4256/74 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 03 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 534 |
| Legal Lot Number | 25 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 20103 |
432 Posadas Cir is owner-occupied and held in a trust since November 2017.
Source: Charlotte County records, as of January 9, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 432 POSADAS CIR, PUNTA GORDA, FL 33983-5848 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 2004 · Amount on File |
| Deed Sale | Jun 8, 2004 · Amount on File |
| Prior Sale | Mar 11, 2003 · Amount on File |
| Deed Document Number | 20041212870 |
| Deed Book / Page | 2485 / 597 |
| Last Transfer Date | Nov 20, 2017 |
| Transfer Doc | 0042560074 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Nov 20, 2017 |
| Property Address | 432 POSADAS CIR, PUNTA GORDA, FL 33983-5848 |
| Document Number | 0042560074 |
| Book / Page | 004256 / 000074 |
| Instrument Date | Nov 15, 2017 |
| Instrument | 2566358 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 432 POSADAS CIR PUNTA GORDA FL 339835848, PUNTA GORDA, FL 33983-5848 |
The 2025 property tax bill for 432 Posadas Cir was $1,937 with a homeowner's exemption, down 30.5% from the year before.
Source: Charlotte County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,937.00 (-30.52%) Homeowner's exemption | $168,432 | $338,313 Land $38,250 Building $300,063 |
| 2024 | $2,788.00 (+1.46%) | ||
| 2023 | $2,748.00 (+8.66%) Homeowner's exemption | $158,917 (+3%) | $333,303 (+4.73%) Land $38,000 Building $295,303 |
| 2022 | $2,529.00 Homeowner's exemption | $154,288 | $318,242 Land $27,200 Building $291,042 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 432 Posadas Cir in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Coastal | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 104 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 104 in force |
| Nearby Flood Claims | 9 (2001–2022) |
| Claims Outside the SFHA | 8 of 9 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 432 Posadas Cir is moderate, ranking above 53% of the US, with a 0.2% 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 | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLOTTE COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2025 |
| Lead | 10 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
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