Charlotte County property record for 4865 Duncan Rd, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 648 sqft · built 1960 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $32,000 (Jul 2015) |
| Tax Bill | $918 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 402326454013 |
| Primary APN | 402326454013 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 648 sqft Living Area |
| Gross Area | 1,217 sqft |
| 1st Floor Area | 648 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 228 sqft |
| Carport | Carport |
| Carport Area | 228 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 341 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 01070080002003 |
|---|---|
| Street Address | 4865 DUNCAN RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-1640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MHC |
| Legal Description | VILLA TRIANGULO BLK C LT 21 266/165 DC801/193 DC809/33 841/1745 DC903/494 903/546 1680/544 1680/544 3104/1976 CT3934/1374 3995/451 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 26 |
| Legal Subdivision | VILLA TRIANGULO |
| Legal Tract | VTR |
| Legal Block | C |
| Legal Lot Number | 21 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 10200 |
4865 Duncan Rd is owned by an individual who bought it in July 2015.
Source: Charlotte County records, as of November 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 27481 MISTY AVE, PUNTA GORDA, FL 33982-1533 |
| Owner Type | Individual |
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 | Jul 23, 2015 · Amount on File |
| Deed Sale | Jul 23, 2015 · Amount on File |
| Prior Sale | Jan 15, 2015 · Amount on File |
| Deed Document Number | 20152369552 |
| Deed Book / Page | 3995 / 451 |
| Prior Transfer Date | Jan 5, 2007 |
| Prior Transfer Doc | 0031041976 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4865 Duncan Rd was $918, down 37.3% from the year before.
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 | $918.00 (-37.25%) | $61,189 Land $8,602 Building $52,587 | $61,189 Land $8,602 Building $52,587 |
| 2024 | $1,463.00 (-1.15%) | ||
| 2023 | $1,480.00 (+8.66%) | $48,696 (-25.44%) | $37,637 (-42.37%) Land $10,580 Building $27,057 |
| 2022 | $1,362.00 | $65,309 Land $7,038 Building $58,271 | $65,309 Land $7,038 Building $58,271 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4865 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 4865 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 Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
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 166 locations within half a mile, as of December 31, 2025
| Provider | Max 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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