Charlotte County property record for 1027 Francesca Ct, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,800 sqft · built 1977 |
| Lot Size | 0.276 acres (12,040 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $402,000 (Apr 2017) |
| Tax Bill | $10,073 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 412212387003 |
| Primary APN | 412212387003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,800 sqft Living Area |
| Gross Area | 4,394 sqft |
| Upper Floors Area | 748 sqft |
| Central Vacuum | Central Vacuum |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,040 sqft (0.276 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 593 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 957 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 448 sqft |
|---|---|
| Porch | Enclosed/Screened Porch |
| Porch Area | 534 sqft |
| Deck Area | Deck Area |
| Patio Area | 467 sqft |
| Loading Dock | 105 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00948090000006 |
|---|---|
| Street Address | 1027 FRANCESCA CT |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-6632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PUNTA GORDA ISLES SEC7 BLK83 LT 12 406/446 541/504 1106/864DC1696/514-EE PR98-799-WE 1764/550 CD1941/210 1941/211 V1984/876 FJ3005/1754 3763/702 4189/136 |
| Legal Range | 22E |
| Legal Township | 41S |
| Legal Section | 12 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 83 |
| Legal Lot Number | 12 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 10402 |
1027 Francesca Ct is owned and occupied by two individuals who bought it in April 2017.
Source: Charlotte County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1027 FRANCESCA CT, PUNTA GORDA, FL 33950-6632 |
| 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.
| Date | Document |
|---|---|
| Sep 10, 2026 | Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION |
| Apr 26, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 19, 2017 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2017 · Amount on File |
| Deed Sale | Apr 19, 2017 · Amount on File |
| Prior Sale | May 7, 2013 · Amount on File |
| Deed Document Number | 20172516450 |
| Deed Book / Page | 4189 / 136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Sep 10, 2026 |
| Property Address | 1027 FRANCESCA CT, PUNTA GORDA, FL 33950-6632 |
| Document Number | 0003682406 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 20263682406 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1027 FRANCESCA CT, PUNTA GORDA, FL 33950-6632 |
| Document Number | 0003682406, |
|---|---|
| Date | Sep 10, 2026 |
| Instrument | 20263682406 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 30, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 1027 FRANCESCA CT, PUNTA GORDA, FL 33950-6632 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 1027 FRANCESCA CT, PUNTA GORDA, FL 33950-6632 |
| Document Number | 0047531370 |
|---|---|
| Date | Apr 26, 2021 |
| Book Page | 4753/1370 |
| Instrument | 2935616 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 5, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 19, 2017 |
| Property Address | 1027 FRANCESCA CT, PUNTA GORDA, FL 33950-6632 |
| Document Number | 0041890136 |
| Book / Page | 004189 / 000136 |
| Instrument Date | Apr 12, 2017 |
| Instrument | 2516450 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2017 |
| Title Company | HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,814.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1027 FRANCESCA CT PUNTA GORDA FL 339506632, PUNTA GORDA, FL 33950-6632 |
| Document Number | 41890137 |
|---|---|
| Date | Apr 19, 2017 |
| Book Page | 004189/000137 |
| Instrument | 2516451 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 18, 2047 |
The 2025 property tax bill for 1027 Francesca Ct was $10,073, up 0.3% from the year before.
Source: Charlotte County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Municipality | Punta Gorda City |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,073.00 (+0.31%) | $529,080 Land $273,700 Building $255,380 | $529,080 Land $273,700 Building $255,380 |
| 2024 | $10,042.00 (+5.53%) | ||
| 2023 | $9,516.00 (+10.54%) | $430,126 (-19.94%) | $533,352 (-0.72%) Land $322,000 Building $211,352 |
| 2022 | $8,609.00 | $537,238 Land $227,800 Building $309,438 | $537,238 Land $227,800 Building $309,438 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1027 Francesca Ct 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 | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 490 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 789 units insured incl. 299 condo units |
| Nearby Flood Claims | 103 (1986–2024) |
| Most Recent Claim | Nov 2024 |
| 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.
The area around 1027 Francesca Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 375 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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