Charlotte County property record for 4465 Duncan Rd, Punta Gorda, FL 33982
| Property Type | Professional Building (Legal, Insurance, Real Estate, Business) |
|---|---|
| Details | 1 ba · 1,188 sqft · built 2006 |
| Lot Size | 2.34 acres (102,322 sqft) |
| Owner | Owner Name on File |
| Last Sale | $350,000 (Jan 2005) |
| Tax Bill | $3,797 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 40-23-25-327-005 |
| Primary APN | 40-23-25-327-005 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,188 sqft Total Area |
| Flooring | Vinyl/Resilient |
| Storm Shutters | Storm Shutters |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Composition/Composite |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Material | Composition Shingle |
| Lot Area | 102,322 sqft (2.34 acres) |
| Deck Area | 366 sqft |
| Patio Area | 366 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004622798 |
|---|---|
| Old Parcel Number | 00712140005008 |
| Street Address | 4465 DUNCAN RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-1409 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business) |
| Local Zoning Code | CG |
| Legal Description | ZZZ 254023 P27-1 25 40 23 P-27-1 2.349A M/L BEG AT NE COR OF NE1/4 OF SW1/4 TH S 256.74FT M/L TO N R/W LN OF US HW |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 25 |
| Legal Subdivision | ACREAGE |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 10200 |
The current owner of 4465 Duncan Rd bought it in January 2005.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 3741 SW 7TH ST, OCALA, FL 34474-1948 |
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 | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2005 · Amount on File |
| Deed Sale | Jan 27, 2005 · Amount on File |
| Deed Document Number | 1327289 |
| Deed Book / Page | 2625 / 1821 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4465 Duncan Rd was $3,797.
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 | $3,797.00 | $208,347 | $367,655 Land $306,966 Building $60,689 |
| 2023 | $3,707.00 (+23.94%) | $172,187 (+9.9%) | $278,349 (+77.67%) Land $204,644 Building $73,705 |
| 2022 | $2,991.00 | $156,669 Land $95,671 Building $60,998 | $156,669 Land $95,671 Building $60,998 |
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 4465 Duncan Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 151 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 167 units insured incl. 16 condo units |
| Nearby Flood Claims | 257 (1982–2024) |
| Claims Outside the SFHA | 3 of 257 |
| 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 4465 Duncan Rd is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | CITY OF PUNTA GORDA serves 36,302 people · EPA ID FL6080051 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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