Charlotte County property record for 48357 Bermont Rd, Punta Gorda, FL 33982
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $55,000 (Sep 2023) |
| Tax Bill | $551 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan Mar 2024 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 412706376003 |
| Primary APN | 412706376003 |
|---|---|
| Alternative APNs |
|
| Lot Area | 217,800 sqft (5 acres) |
|---|
| Account Number | 00749710002188 |
|---|---|
| Street Address | 48357 BERMONT RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-9770 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | AG |
| Legal Description | 6-41-27 TRACT 218 5 AC. M/L TH N1/2 OF SW1/4 OF SE1/4 OF SW1/4 AKA TRACT 218 635/512 3498/418 3867/731 3963/227 4727/1409 3313870 |
| Legal Range | 27E |
| Legal Township | 41S |
| Legal Section | 06 |
| Legal Subdivision | ACREAGE |
| Legal Tract | 218 |
| Legal Block | 1 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 10100 |
Source: Charlotte County records, as of June 10, 2026
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 200 NW 4TH TER, CAPE CORAL, FL 33993-2702 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CREDIT UNION |
| Mar 22, 2024 | Deed of Trust, Mortgage · Construction Mortgage THE FEDERAL SAVINGS BANK |
| Sep 12, 2023 | Warranty Deed, Transfer GATE TITLE INSURANCE AGENCY INC, TEAM TITLE INS AGCY INC |
| Mar 16, 2021 | Warranty Deed, Transfer GATE TITLE INSURANCE AGENCY INC, TEAM TITLE INS AGCY INC |
| Sep 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOUTHWEST LAND DEVELOPERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2023 · Amount on Record |
| Deed Sale | Sep 12, 2023 · Amount on Record |
| Prior Sale | Mar 16, 2021 · Amount on Record |
| Deed Document Number | 20233313870 |
| Prior Transfer Date | Jan 18, 2001 |
| Prior Transfer Doc | 0034980418 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 1, 2026 |
| Property Address | 48357 BERMONT RD, PUNTA GORDA, FL 33982-9770 |
| Document Number | 0003649537 |
| Instrument Date | May 29, 2026 |
| Instrument | 20263649537 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 48357 BERMONT RD, PUNTA GORDA, FL 33982-9770 |
| Document Number | 0003649537, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20263649537 |
| Name | LAKE MICHIGAN CREDIT UNION |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jun 1, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 48357 BERMONT RD, PUNTA GORDA, FL 33982-9770 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 48357 BERMONT RD, PUNTA GORDA, FL 33982-9770 |
| Investor | Possibly a Property Investor |
| Document Number | 0003384124 |
|---|---|
| Date | Mar 22, 2024 |
| Instrument | 3384124 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Apr 1, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Sep 12, 2023 |
| Property Address | 48357 BERMONT RD, PUNTA GORDA, FL 33982-9770 |
| Document Number | 0003313870 |
| Instrument Date | Sep 5, 2023 |
| Instrument | 3313870 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2023 |
| Title Company | GATE TITLE INSURANCE AGENCY INC, TEAM TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $385.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 308 PLEASANT ST, FRANKLIN, NH 03235-1889 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 200 NW 4TH TER, CAPE CORAL, FL 33993-2702 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Mar 16, 2021 |
| Property Address | 48357 BERMONT RD, PUNTA GORDA, FL 33982-9770 |
| Document Number | 0047271409 |
| Book / Page | 4727 / 1409 |
| Instrument Date | Mar 11, 2021 |
| Instrument | 2917138 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | GATE TITLE INSURANCE AGENCY INC, TEAM TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $297.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 944 COUNTRY CLUB BLVD STE 108, 944, CAPE CORAL, FL 33990-3083 |
| Name | Verified Name |
|---|---|
| Address | 84 SHUTE HILL RD, SANBORNTON, NH 03269-2514 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 48357 BERMONT RD, PUNTA GORDA, FL 33982-9770 |
| Document Number | 0046370970 |
| Instrument Date | Sep 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1238 BETMAR BLVD FORT MYERS FL 339033629, FORT MYERS, FL 33903-3629 |
| Document Number | 0046370970 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 004637/000970 |
| Instrument | 2855768 |
| Name | SOUTHWEST LAND DEVELOPERS INC |
|---|---|
| Address | 10175 TAMIAMI TRL, PUNTA GORDA, FL 33950-4368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Sep 27, 2022 |
| Rate | 5.25% |
|---|
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 | $551.00 (-0.18%) | $36,125 (-) Land $36,125 | $36,125 (-15%) Land $36,125 |
| 2024 | $552.00 (-32.52%) | $36,125 (-22.73%) | $42,500 (-39.29%) Land $42,500 |
| 2023 | $818.00 (+21.73%) | $46,750 (+1%) | $70,000 (+64.71%) Land $70,000 |
| 2022 | $672.00 | $42,500 Land $42,500 | $42,500 Land $42,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 | Very High above 90% of the US · above 84% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
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