Charlotte County property record for 44649 Emerald St, Punta Gorda, FL 33982
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.152 acres (6,626 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $568,900 (May 2026) |
| Tax Bill | $254 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422628400514 |
| Primary APN | 422628400514 |
|---|
| Lot Area | 6,626 sqft (0.152 acres) |
|---|
| Street Address | 44649 EMERALD ST |
|---|---|
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-5366 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | BOZD |
| Legal Description | BABCOCK RANCH COMMUNITY VERDE LOT 2843 |
| Legal Subdivision | BABCOCK RANCH COMMUNITY VERDE |
| Legal Lot Number | 2843 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 10100 |
Source: Charlotte County records, as of May 19, 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 Record |
|---|---|
| Mailing Address | 44649 EMERALD ST, PUNTA GORDA, FL 33982-5366 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on Record |
| Deed Sale | May 5, 2026 · Amount on Record |
| Deed Document Number | 20263640761 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 5, 2026 |
| Property Address | 44649 EMERALD ST, PUNTA GORDA, FL 33982-5366 |
| Document Number | 0003640761 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026.3640761 |
| Record Updated | May 20, 2026 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $402,212.30 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44649 EMERALD ST, PUNTA GORDA, FL 33982-5366 |
| Investor | Possibly a Property Investor |
| Document Number | 0003640762, |
|---|---|
| Date | May 5, 2026 |
| Instrument | 2026.3640762 |
| Name | PULTE MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $254.00 (-90.73%) | $17,000 Land $17,000 | $17,000 Land $17,000 |
| 2024 | $2,739.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 100 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 85% of the US · above 77% 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.
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