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43348 Sapling St, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 43348 Sapling St, Punta Gorda, FL 33982 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2020
Square Footage2,247 sqft Living Area
Lot Size9,453 sqft (0.217 acres)
OccupancyOwner Occupied
Last Sale$315,000 (2020)
Tax Bill$3,845.00 (2025)

Property Details

APN / Parcel Number

Primary APN42-26-32-224-009

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Building Area2,247 sqft Living Area
Gross Area3,149 sqft Gross Area
Stories1 Stories
Primary FlooringCovered Flooring

Exterior

Year BuiltBuilt 2020
Exterior MaterialComposition/Composite Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Foundation TypeMat/Raft Foundation (Slab) Foundation
Roof MaterialComposition Shingle Roof
Lot Area9,453 sqft (0.217 acres)
Driveway1 Driveway
Driveway Area701 sqft Driveway
Parking Spaces2 Parking Spaces
SprinklersInstalled Lawn/Plantings Watering System Sprinklers

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemForced Air Heating
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Street Address43348 SAPLING ST
CityPUNTA GORDA
StateFL
Zip33982-5083
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionBCR 02B 0000 1015 BABCOCK RANCH PHASE 2B LOT 1015 4500/1049 4620/1407 (9454 SF)
Legal Range26E
Legal Township42S
Legal Section32
Legal SubdivisionBABCOCK RANCH
Legal Phase2B
Legal Lot Number1015
JurisdictionCHARLOTTE FL
Minor Civil DivisionPUNTA GORDA
Census Blockgroup1
Census Block1064
Census Tract10100

Owner

Source: Charlotte County records · APN 42-26-32-224-009

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address43348 SAPLING ST, PUNTA GORDA, FL 33982-5083
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 05, 2022Deed of Trust, Mortgage · Conventional Mortgage
THIRD FSLA OF CLEVELAND
Aug 25, 2020Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 25, 2020 · Amount on Record
Deed SaleAug 25, 2020 · Amount on Record
Prior SaleNov 01, 2019 · Amount on Record
Deed Doc Number2844165
Deed Book / Page4620 / 1407
Record RefreshedJun 08, 2026

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address43348 SAPLING ST, PUNTA GORDA, FL 33982-5083
Transaction TypeMortgage
Record UpdatedJan 26, 2023
Title CompanyTITLE365 OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
Address43348 SAPLING ST, PUNTA GORDA, FL 33982-5083

Mortgage

Document Number0003181735
DateDec 05, 2022
Instrument3181735
Lender
NameTHIRD FSLA OF CLEVELAND
TypeBank
AddressCLEVELAND, OH 44105
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 30, 2052
Interest
Rate TypeAdjustable Rate
Rate6.49%
Type Change DateNov 30, 2027
Change FrequencyAnnually
Min Rate At Change4.49%
Max Rate At Change8.49%
IndexPrime Rate
Margin1
Max Rate12.4%

August 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionCHARLOTTE FL
Recording DateAug 25, 2020
Property Address43348 SAPLING ST, PUNTA GORDA, FL 33982-5083
Document Number0046201407
Book / Page4620 / 1407
Map ReferenceMB 23 PG 2A
Instrument DateJul 01, 2020
Instrument2844165
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 27, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,205.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address10481 BEN C PRATT/6 MILE CYPRESS PKWY, 10481, FORT MYERS, FL 33966-6460

Transferred To (Grantee/Buyer)

NameVerified Name
Address43348 SAPLING ST, PUNTA GORDA, FL 33982-5083

Mortgage

Document Number0046201411
DateAug 25, 2020
Instrument4620/1411
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2050

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCharlotte County
Unified School DistrictCharlotte 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,845.00 (-36.3%) Homeowner's exemption$297,262 (+5.99%)$470,769 (+5.47%) Land $89,000 Building $381,769
2023$6,036.00 (+4.96%) Homeowner's exemption$280,470 (+3%)$446,358 (+12.23%) Land $75,000 Building $371,358
2022$5,751.00 Homeowner's exemption$272,301$397,709 Land $55,250 Building $342,459

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charlotte County (12015C), updated September 28, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskHigh
above 82% of the US · above 72% of Florida
Wildfire LikelihoodAbout 1 in 131 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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