Charlotte County property record for 43636 Tree Top Trl, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,270 sqft · built 2021 |
| Lot Size | 0.223 acres (9,744 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,000 (Jun 2025) |
| Tax Bill | $5,097 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-26-32-228-004 |
| Primary APN | 42-26-32-228-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,270 sqft Living Area |
| Gross Area | 3,059 sqft |
| Flooring | Covered |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Composition/Composite |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 9,744 sqft (0.223 acres) |
| Driveway | Driveway |
| Driveway Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Street Address | 43636 TREE TOP TRL |
|---|---|
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-5118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOZD |
| Legal Description | BCR 02C 0000 1364 BABCOCK RANCH COMMUNITY PHASE 2C LOT 1364 (9744 SF) 4717/1267 4838/1847 3534383 |
| Legal Subdivision | BABCOCK RANCH |
| Legal Phase | 2C |
| Legal Lot Number | 1364 |
| Legal Unit | Y |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 10100 |
43636 Tree Top Trl is owned and occupied by an individual who bought it in June 2025.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 43636 TREE TOP TRL, PUNTA GORDA, FL 33982-5118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 31, 2025 | Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU |
| Sep 10, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2025 · Amount on File |
| Deed Sale | Jun 5, 2025 · Amount on File |
| Prior Sale | Sep 10, 2021 · Amount on File |
| Deed Document Number | 3534383 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 43636 TREE TOP TRL, PUNTA GORDA, FL 33982-5118 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 43636 TREE TOP TRL, PUNTA GORDA, FL 33982-5118 |
| Document Number | 0003601040 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 3601040 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49512 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 15, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Sep 10, 2021 |
| Property Address | 17669 WINDING WOOD LN, PUNTA GORDA, FL 33982-5122 |
| Document Number | 0048381847 |
| Book / Page | 4838 / 1847 |
| Map Reference | MB 24 PG 2 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2995993 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 16, 2023 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,257.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10481 BEN C PRATT/6 MILE CYPRESS PKWY, FORT MYERS, FL 33966-6460 |
| Name | Verified Name |
|---|---|
| Address | 43636 TREE TOP TRL, PUNTA GORDA, FL 33982-5118 |
| Document Number | 0048381851 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 4838/1851 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 43636 Tree Top Trl was $5,097 with a homeowner's exemption.
Source: Charlotte County assessment roll, as of July 1, 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 | $5,097.00 Homeowner's exemption | $381,025 | $475,456 Land $87,000 Building $388,456 |
| 2023 | $8,372.00 (+3.31%) Homeowner's exemption | $383,083 (+2.04%) | $449,869 (+19.83%) Land $72,000 Building $377,869 |
| 2022 | $8,104.00 Homeowner's exemption | $375,410 Land $51,000 Building $324,410 | $375,410 Land $51,000 Building $324,410 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43636 Tree Top Trl in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1995.
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 File 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 |
|
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 43636 Tree Top Trl is high, ranking above 87% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 79% of Florida |
|---|---|
| Wildfire Likelihood | 1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 440 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 |
May also be available: AT&T, Hotwire Communications.
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