44496 Frontier Dr, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 44496 Frontier Dr, Punta Gorda, FL 33982

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.265 acres (11,528 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Apr 2026)
Tax Bill	$3,781 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422628201163`

Property Details

APN / Parcel Number

Primary APN	`422628201163`

Exterior

Lot Area	11,528 sqft (0.265 acres)
View / Lot	Waterfront

Location & Zoning

Street Address	44496 FRONTIER DR
City	PUNTA GORDA
State	FL
Zip	33982-6178
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	BOZD
Legal Description	BABCOCK RANCH COMM CRESCENT LAKES PHASE 2 LOT 7509
Legal Subdivision	BABCOCK RANCH COMM CRESCENT LAKES PHASE
Legal Lot Number	7509
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1064
Census Tract	10100

Owner

Source: Charlotte County records · APN 422628201163

Assessment roll updated March 4, 2026 · Last verified July 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	44496 FRONTIER DR, PUNTA GORDA, FL 33982-6178
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Deed Document Number	20263639058
Record Updated	Sep 20, 2026

April 2026: Special Warranty Deed

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 30, 2026
Property Address	44496 FRONTIER DR, PUNTA GORDA, FL 33982-6178
Document Number	0003639058
Instrument Date	Apr 28, 2026
Instrument	20263639058
Record Updated	Jul 06, 2026
Title Company	CAREFREE TITLE AGENCY INC, CAREFREE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	44496 FRONTIER DR, PUNTA GORDA, FL 33982-6178

Mortgage

Document Number	0003639059,
Date	Apr 30, 2026
Instrument	20263639059

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated March 4, 2026 · Last verified July 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,781.00 (-2.35%)	$60,775 Land $60,775	$60,775 Land $60,775
2024	$3,872.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 28, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record 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

Wildfire

Wildfire Risk	High above 87% of the US · above 80% of Florida
Wildfire Likelihood	1% annual chance
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.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN AND COUNTRY UTILITY private · serves 13,427 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.