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4860 Duncan Rd, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 4860 Duncan Rd, Punta Gorda, FL 33982

Property Summary

Property TypeMobile Home
Details1 ba · 2,108 sqft · built 2004
Lot Size0.351 acres (15,300 sqft)
OwnerIndividual Name on File
Last Sale$118,000 (Jun 2017)
Tax Bill$1,124 (2025)
Deeds & MortgagesAug 2021 Mortgage
Jun 2017 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN40-23-26-478-008

Property Details

APN / Parcel Number

Primary APN40-23-26-478-008
Alternative APNs
  • 0090411-000000-4
  • 10004623238

Interior

Full Baths1 Bath
Stories1 Story
Building Area2,108 sqft Living Area
FlooringVinyl/Resilient

Exterior

Year BuiltBuilt 2004
Architectural StyleMobile Home
Exterior MaterialComposition/Composite
Construction TypeManufactured
Roof MaterialComposition Shingle
Lot Area15,300 sqft (0.351 acres)
Lot Dimensions102 ft deep x 150 ft wide
DrivewayDriveway
Driveway Area1,779 sqft

Exterior Amenities

PorchPorch
Porch Area220 sqft
Patio Area428 sqft
Shed1 Shed
Shed Area100 sqft
Total Buildings4 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number10004623238
Old Parcel Number00904110000004
Street Address4860 DUNCAN RD
CityPUNTA GORDA
StateFL
Zip33982-1641
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeMHC
Legal DescriptionPIA 000 000A 0010 PINE ACRES BLK A LT 10 LESS N/LY 48.94FT FOR DOT ROW & LT 11 LESS A PORTION FOR DOT ROW DESC AS:
Legal Range23E
Legal Township40S
Legal Section26
Legal SubdivisionPINE ACRES
Legal BlockA
Legal Lot Number10-11 11
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group4
Census Block4029
Census Tract10200

Owner

4860 Duncan Rd, a mobile home, is owned and occupied by an individual who bought it in June 2017.

Source: Charlotte County records, as of December 10, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address4860 DUNCAN RD, PUNTA GORDA, FL 33982-1641
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2021Deed of Trust, Mortgage · FHA Mortgage
LAKEVIEW LOAN SERVICING LLC
Jun 7, 2017Warranty Deed, Transfer · FHA Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 7, 2017 · Amount on File
Deed SaleJun 7, 2017 · Amount on File
Prior SaleMar 1, 2004 · Amount on File
Deed Document Number2529442
Deed Book / Page4206 / 1655
Record UpdatedJun 8, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address4860 DUNCAN RD, PUNTA GORDA, FL 33982-1641
Transaction TypeMortgage
Record UpdatedSep 9, 2021
Title CompanySOURCEPOINT

Transferred To (Grantee/Buyer)

NameVerified Name
Address4860 DUNCAN RD, PUNTA GORDA, FL 33982-1641

Mortgage

Document Number0048251890
DateAug 19, 2021
Book Page4825/1890
Instrument2986830
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term121 Months
DueSep 1, 2031

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateJun 7, 2017
Property Address4860 DUNCAN RD, PUNTA GORDA, FL 33982-1641
Document Number0042061655
Book / Page4206 / 1655
Map ReferenceMB7 PG6
Instrument DateJun 1, 2017
Instrument2529442
Transaction TypeTransfer
Record UpdatedFeb 7, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$826.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4860 DUNCAN RD, 4860, PUNTA GORDA, FL 33982-1641

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address6558 JACK ST, PUNTA GORDA, FL 33982-1609

Mortgage

Document Number0002529443
DateJun 7, 2017
Instrument2529443
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4860 Duncan Rd was $1,124 with a homeowner's exemption.

Source: Charlotte County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCharlotte County
Unified School DistrictCharlotte County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,124.00 Homeowner's exemption$114,550$136,844 Land $27,720 Building $109,124
2023$1,865.00 (+6.51%) Homeowner's exemption$108,080 (+3%)$146,577 (-15.83%) Land $28,980 Building $117,597
2022$1,751.00 Homeowner's exemption$104,932$174,151 Land $19,278 Building $154,873

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4860 Duncan Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
CoastalYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 39 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies69 units insured
incl. 30 condo units
Nearby Flood Claims6 (2010–2022)
Claims Outside the SFHA6 of 6
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 4 claims

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

Wildfire risk around 4860 Duncan Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.04% annual chance
ExposureIndirect
within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCITY OF PUNTA GORDA
serves 36,302 people · EPA ID FL6080051
Water SourceSurface water
Last State InspectionDec 2023
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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