43308 Sapling St, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 43308 Sapling St, Punta Gorda, FL 33982 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,389 sqft · built 2020
Lot Size	0.229 acres (9,987 sqft)
Owner	2 Individual Names on File
Last Sale	$567,000 (Feb 2026)
Tax Bill	$5,037 (2025)
Deeds & Mortgages	Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`422632224014`

Property Details

APN / Parcel Number

Primary APN	`422632224014`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,389 sqft Living Area
Gross Area	3,270 sqft
1st Floor Area	2,389 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	9,987 sqft (0.229 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	649 sqft
Driveway	Driveway
Driveway Area	701 sqft
Parking Spaces	2 Parking Spaces
Pool Area	36 sqft
Porch	Enclosed/Screened Porch
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	43308 SAPLING ST
City	PUNTA GORDA
State	FL
Zip	33982-5083
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BABCOCK RANCH PHASE 2B LOT 1020 4478/1141 4592/340 4646/1199 (9987 SF) DC3475993-FAR 3475992
Legal Range	26E
Legal Township	42S
Legal Section	32
Legal Subdivision	BABCOCK RANCH PHASE 2B
Legal Tract	19
Legal Lot Number	1020
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1064
Census Tract	10100

Owner

Source: Charlotte County records · APN 422632224014

Assessment roll updated March 4, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	278 MCNEIL RD, FRYEBURG, ME 04037-4709
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 23, 2026 · Amount on Record
Deed Sale	Feb 23, 2026 · Amount on Record
Prior Sale	Jun 25, 2020 · Amount on Record
Deed Document Number	20263616351
Prior Transfer Date	Nov 11, 2024
Prior Transfer Doc	0003475992
Record Updated	Sep 20, 2026

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 25, 2020
Property Address	43308 SAPLING ST, PUNTA GORDA, FL 33982-5083
Document Number	0045920340
Book / Page	004592 / 000340
Instrument Date	Jun 16, 2020
Instrument	2823984
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 19, 2020
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Tax	$2,191.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43308 SAPLING ST PUNTA GORDA FL 339825083, PUNTA GORDA, FL 33982-5083

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated March 4, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,037.00 (-21.3%) Homeowner's exemption	$377,014 (+25.79%)	$475,981 (+1.43%) Land $75,650 Building $400,331
2024	$6,400.00 (+1.03%)
2023	$6,335.00 (+4.83%) Homeowner's exemption	$299,708 (+3%)	$469,258 (+11.9%) Land $75,000 Building $394,258
2022	$6,043.00 Homeowner's exemption	$290,979	$419,358 Land $55,250 Building $364,108

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charlotte County (12015C), updated September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120150101001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 518 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	870 units insured (352 under condo master policies) 430 of 518 individual policies on primary residences
Nearby Flood Claims	11 (1995–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton
Flood Events	Hurricane Milton (Oct 2024), 3 claims Hurricane Irma (Sep 2017), 4 claims

Wildfire

Wildfire Risk	High above 82% of the US · above 72% of Florida
Wildfire Likelihood	About 1 in 131 per year
Exposure	Direct burnable vegetation at the parcel

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.