Charlotte County property record for 445 Seasons Dr, Punta Gorda, FL 33983
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,322 sqft · built 2021 |
| Lot Size | 0.22 acres (9,599 sqft) |
| Owner | Individual Name on File |
| Last Sale | $296,900 (May 2021) |
| Tax Bill | $4,323 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage May 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-23-03-351-005 |
| Primary APN | 40-23-03-351-005 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,322 sqft Living Area |
| Gross Area | 3,052 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 | 9,599 sqft (0.22 acres) |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004606045 |
|---|---|
| Old Parcel Number | 00952620761903 |
| Street Address | 445 SEASONS DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33983-5838 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | PGI 020 0530 0009 PUNTA GORDA ISLES SEC20 BLK530 LT 9 571/0245 905/174 4201/586 4201/587 4772/1092 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 03 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 530 |
| Legal Lot Number | 9 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PORT CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 20103 |
445 Seasons Dr is owned and occupied by an individual who bought it in May 2021.
Source: Charlotte County records, as of December 10, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 445 SEASONS DR, PUNTA GORDA, FL 33983-5838 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage T2 FINANCIAL LLC |
| May 23, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 24, 2021 · Amount on File |
| Deed Sale | May 24, 2021 · Amount on File |
| Prior Sale | May 23, 2017 · Amount on File |
| Deed Document Number | 2949338 |
| Deed Book / Page | 4772 / 1092 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 24, 2021 |
| Property Address | 445 SEASONS DR, PUNTA GORDA, FL 33983-5838 |
| Document Number | 0047721092 |
| Book / Page | 4772 / 1092 |
| Map Reference | MB 11 PG 2A-2Z42 |
| Instrument Date | May 21, 2021 |
| Instrument | 2949338 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 22, 2023 |
| Title Company | JEWEL STONE TITLE INSURANCE AGENCY INC, JEWEL STONE TTL INS AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,078.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3000 GULF BREEZE PKWY, GULF BREEZE, FL 32563-5623 |
| Name | Verified Name |
|---|---|
| Address | 445 SEASONS DR, PORT CHARLOTTE, FL 33983-5838 |
| Document Number | 0047721093 |
|---|---|
| Date | May 24, 2021 |
| Instrument | 4772/1093 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 23, 2017 |
| Property Address | 445 SEASONS DR, PUNTA GORDA, FL 33983-5838 |
| Document Number | 0042010586 |
| Book / Page | 004201 / 000586 |
| Instrument Date | May 18, 2017 |
| Instrument | 2525457 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $70.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6150 DIAMOND CENTRE CT #801 FORT MYERS FL 339127147, 801, FORT MYERS, FL 33912-7147 |
The 2025 property tax bill for 445 Seasons Dr was $4,323 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 | $4,323.00 Homeowner's exemption | $326,630 | $427,384 Land $45,000 Building $382,384 |
| 2023 | $5,106.00 (+5.65%) Homeowner's exemption | $308,180 (+3%) | $381,229 (+27.41%) Land $38,000 Building $343,229 |
| 2022 | $4,833.00 Homeowner's exemption | $299,204 Land $27,200 Building $272,004 | $299,204 Land $27,200 Building $272,004 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Seasons Dr in Zone X, an area of minimal flood risk, though there have been 9 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 58 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 9 (1995–2022) |
| Claims Outside the SFHA | 8 of 9 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 445 Seasons Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 | CHARLOTTE COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2025 |
| Lead | 10 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
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