Charlotte County property record for 4908 Duncan Rd, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 876 sqft · built 2018 |
| Lot Size | 0.858 acres (37,389 sqft) |
| Owner | Individual Name on File |
| Last Sale | $20,000 (Jul 2016) |
| Tax Bill | $1,152 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 402326455007 |
| Primary APN | 402326455007 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 876 sqft Living Area |
| Gross Area | 1,225 sqft |
| 1st Floor Area | 876 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 37,389 sqft (0.858 acres) |
| Lot Dimensions | 101 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 329 sqft |
| Carport | Carport |
| Carport Area | 329 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Raised Porch |
|---|---|
| Porch Area | 20 sqft |
| Shed | 1 Shed |
| Shed Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 00904050000002 |
|---|---|
| Street Address | 4908 DUNCAN RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-1641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MHC |
| Legal Description | PIA 000 000A 0003 PINE ACRES BLOCK A LOT 3 LESS US 17 ROW 571/1011 PR80/367 656/1757-1758 661/1991-92 DC661/1998 1003/1089 1495/1047 3093/1660 L/E3564/1677 3592/2157 4100/1446 RESTCOV4261/844 PINE ACRES BLK A LT 4 LESS A PORT DESC AS BEG N |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 26 |
| Legal Subdivision | PIA 000 000A 0003 PINE ACRES |
| Legal Tract | PIA |
| Legal Block | A |
| Legal Lot Number | 3 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 10200 |
4908 Duncan Rd is owned and occupied by an individual who bought it in July 2016.
Source: Charlotte County records, as of November 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4908 DUNCAN RD, PUNTA GORDA, FL 33982-1641 |
| Occupancy | Owner Occupied |
| 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 1, 2016 · Amount on File |
| Deed Sale | Jul 1, 2016 · Amount on File |
| Prior Sale | Aug 24, 2011 · Amount on File |
| Deed Book / Page | 4100 / 1446 |
| Transfer Doc | 1511001574 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 4908 Duncan Rd was $1,152 with a homeowner's exemption, down 42.4% 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 | $1,152.00 (-42.4%) Homeowner's exemption | $116,406 | $191,330 Land $49,059 Building $142,271 |
| 2024 | $2,000.00 (+5.37%) | ||
| 2023 | $1,898.00 (+7.72%) Homeowner's exemption | $97,584 (+3%) | $200,289 (+13.57%) Land $46,575 Building $153,714 |
| 2022 | $1,762.00 Homeowner's exemption | $94,742 | $176,363 Land $30,983 Building $145,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4908 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 39 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 69 units insured incl. 30 condo units |
| Nearby Flood Claims | 6 (2010–2022) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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 4908 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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