Charlotte County property record for 43645 Sparrow Dr, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,516 sqft · built 2023 |
| Lot Size | 0.103 acres (4,476 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $354,320 (May 2023) |
| Tax Bill | $4,000 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422629106107 |
| Primary APN | 422629106107 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| Gross Area | 2,080 sqft |
| 1st Floor Area | 1,516 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 4,476 sqft (0.103 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Driveway | Driveway |
| Driveway Area | 320 sqft |
| Porch | Enclosed/Screened Porch |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 43645 SPARROW DR |
|---|---|
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-9409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BOZD |
| Legal Description | BABCOCK RANCH COMMUNITY PRESERVE LOT 2189 3271752 |
| Legal Subdivision | BABCOCK RANCH COMMUNITY PRESERVE |
| Legal Lot Number | 2189 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 10100 |
43645 Sparrow Dr is owned by two individuals who bought it in May 2023.
Source: Charlotte County records, as of June 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4113 MONOPOLY CT, ROCKLIN, CA 95677-4015 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2023 · Amount on File |
| Deed Sale | May 31, 2023 · Amount on File |
| Deed Document Number | 20233271752 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 31, 2023 |
| Property Address | 43645 SPARROW DR, PUNTA GORDA, FL 33982-9409 |
| Document Number | 0003271752 |
| Map Reference | MB 25 PG 14A-14Q |
| Instrument Date | May 22, 2023 |
| Instrument | 3271752 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,480.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10541 BEN C PRATT/6 MILE CYPRESS PKWY100, PKWY100, FORT MYERS, FL 33966 |
| Name | Verified Name |
|---|---|
| Address | 4113 MONOPOLY CT, ROCKLIN, CA 95677-4015 |
| Document Number | 0003271754 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 3271754 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
The 2025 property tax bill for 43645 Sparrow Dr was $4,000, down 39.3% 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 | $4,000.00 (-39.33%) | $267,754 Land $47,175 Building $220,579 | $267,754 Land $47,175 Building $220,579 |
| 2024 | $6,593.00 (+149.07%) | ||
| 2023 | $2,647.00 | $32,725 | $38,500 Land $38,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 43645 Sparrow Dr in Zone X, an area of minimal 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 minimal risk |
|---|---|
| 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 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 43645 Sparrow Dr is high, ranking above 89% 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 89% of the US · above 83% 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.
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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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