Charlotte County property record for 4945 Duncan Rd, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 425 sqft · built 2004 |
| Lot Size | 2.55 acres (111,513 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $429 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 40-23-26-379-001 |
| Primary APN | 40-23-26-379-001 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 425 sqft Total Area |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Lot Area | 111,513 sqft (2.55 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10004623110 |
|---|---|
| Old Parcel Number | 00712690000007 |
| Street Address | 4945 DUNCAN RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE1 |
| Legal Description | ZZZ 264023 P11 26 40 23 P-11 2.56 AC M/L A LOT 182 X 612 LYING IN SW COROF NW 1/4 OF SE 1/4 182/391 374/806 546/ |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 26 |
| Legal Subdivision | ACREAGE |
| Legal Lot Number | 182 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 10200 |
4945 Duncan Rd is owned by two individuals who acquired it in July 1994.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4989 DUNCAN RD, PUNTA GORDA, FL 33982-1642 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 1994 |
| Deed Sale | Jul 1, 1994 |
| Deed Document Number | 308524 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4945 Duncan Rd was $429.
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 | $429.00 | $23,161 | $42,218 Land $40,960 Building $1,258 |
| 2023 | $701.00 (+20.65%) | $19,007 (-13.59%) | $39,959 (+81.66%) Land $39,680 Building $279 |
| 2022 | $581.00 | $21,997 Land $21,760 Building $237 | $21,997 Land $21,760 Building $237 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4945 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 4945 Duncan Rd is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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