43692 Tree Top Trl, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 43692 Tree Top Trl, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,283 sqft · built 2021
Lot Size	0.206 acres (8,981 sqft)
Owner	Individual Name on File
Last Sale	$442,500 (Dec 2021)
Tax Bill	$5,398 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`42-26-32-228-011`

Property Details

APN / Parcel Number

Primary APN	`42-26-32-228-011`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,283 sqft Living Area
Gross Area	4,259 sqft
Flooring	Covered

Exterior

Year Built	Built 2021
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	8,981 sqft (0.206 acres)
View / Lot	Water
Driveway	Driveway
Driveway Area	182 sqft
Parking Spaces	3 Parking Spaces
Pool Area	392 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	43692 TREE TOP TRL
City	PUNTA GORDA
State	FL
Zip	33982-5120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BOZD
Legal Description	BCR 02C 0000 1371 BABCOCK RANCH COMMUNITY PHASE 2C LOT 1371 (8981 SF) 4763/1939 4887/1931
Legal Subdivision	BABCOCK RANCH
Legal Phase	2C
Legal Lot Number	1371
Legal Unit	Y
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1064
Census Tract	10100

Owner

43692 Tree Top Trl is owned and occupied by an individual who bought it in December 2021.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	43692 TREE TOP TRL, PUNTA GORDA, FL 33982-5120
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage REGIONS BANK
May 10, 2021	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Prior Sale	May 10, 2021 · Amount on File
Deed Document Number	3030285
Deed Book / Page	4887 / 1931
Record Updated	Jun 8, 2026

December 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 6, 2021
Property Address	43692 TREE TOP TRL, PUNTA GORDA, FL 33982-5120
Document Number	0048871931
Book / Page	4887 / 1931
Map Reference	MB 24 PG 2
Instrument Date	Nov 29, 2021
Instrument	3030285
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 27, 2022
Title Company	LENNAR TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,097.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43692 TREE TOP TRL, PUNTA GORDA, FL 33982-5120

Mortgage

Document Number	0048871935
Date	Dec 6, 2021
Instrument	4887/1935

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 10, 2021
Property Address	43692 TREE TOP TRL, PUNTA GORDA, FL 33982-5120
Document Number	0047631939
Book / Page	4763 / 1939
Map Reference	MB 24 PG 2A-2J
Instrument Date	Apr 27, 2021
Instrument	2943017
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$5,356.40
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42850 CRESCENT LOOP STE 200, 42850, BABCOCK RANCH, FL 33982-5037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10481 BEN C PRATT/6 MILE CYPRESS PKWY, FORT MYERS, FL 33966-6460
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 43692 Tree Top Trl was $5,398 with a homeowner's exemption.

Source: Charlotte County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,398.00 Homeowner's exemption	$401,229	$698,696 Land $89,000 Building $609,696
2023	$7,756.00 (+4.14%) Homeowner's exemption	$343,406 (+3%)	$556,375 (+27.27%) Land $75,000 Building $481,375
2022	$7,448.00 Homeowner's exemption	$333,404	$437,153 Land $55,250 Building $381,903

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

Flood

FEMA maps place 43692 Tree Top Trl 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	Hurricane Milton, Oct 2024 · 3 claims Hurricane Irma, Sep 2017 · 4 claims

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

Wildfire risk around 43692 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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