103 Mocha Ct, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 103 Mocha Ct, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,886 sqft · built 2017
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Jan 2019)
Tax Bill	$3,051 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-23-04-207-012`

Property Details

APN / Parcel Number

Primary APN	`40-23-04-207-012`
Alternative APN	`10004606921`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,886 sqft Living Area
Gross Area	2,736 sqft
Flooring	Covered

Exterior

Year Built	Built 2017
Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Garage Area	480 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	28 sqft
Porch	Porch
Porch Area	370 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004606921
Street Address	103 MOCHA CT
City	PUNTA GORDA
State	FL
Zip	33983-5368
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PGI 020 0560 0024 PUNTA GORDA ISLES SEC 20 BLK 560 LT 24 4112/1894 4186/2175 4394/442
Legal Range	23E
Legal Township	40S
Legal Section	04
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	560
Legal Lot Number	24
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	3
Census Block	3000
Census Tract	20103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 MOCHA CT, PUNTA GORDA, FL 33983-5368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUN TRUST BANK
Jan 3, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Apr 12, 2017	Warranty Deed, Transfer PREMIER TITLE/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Prior Sale	Apr 12, 2017 · Amount on Record
Deed Document Number	2673727
Deed Book / Page	4394 / 442
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	103 MOCHA CT, PUNTA GORDA, FL 33983-5368
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043551340
Date	Sep 6, 2018
Book Page	4355/1340
Instrument	2643571

Lender

Name	SUN TRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 3, 2019
Property Address	103 MOCHA CT, PUNTA GORDA, FL 33983-5368
Document Number	0043940442
Book / Page	004394 / 000442
Instrument Date	Jan 3, 2019
Instrument	2673727
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 MOCHA CT PUNTA GORDA FL 339835368, PUNTA GORDA, FL 33983-5368

Mortgage

Document Number	43940444
Date	Jan 3, 2019
Book Page	004394/000444
Instrument	2673728

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 2, 2034

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 12, 2017
Property Address	103 MOCHA CT, PUNTA GORDA, FL 33983-5368
Document Number	0041862175
Book / Page	004186 / 002175
Instrument Date	Apr 11, 2017
Instrument	2514861
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	PREMIER TITLE/FL

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 MOCHA CT PUNTA GORDA FL 339835368, PUNTA GORDA, FL 33983-5368

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,051.00 (-20.73%) Homeowner's exemption	$242,301 (+5.99%)	$413,417 (+7.2%) Land $45,000 Building $368,417
2023	$3,849.00 (+6.77%) Homeowner's exemption	$228,614 (+3%)	$385,637 (+18.19%) Land $38,000 Building $347,637
2022	$3,605.00 Homeowner's exemption	$221,955	$326,278 Land $27,200 Building $299,078

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 80 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	80 in force
Nearby Flood Claims	6 (1995–2022)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Sep 2022 · Hurricane Ian

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

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	CHARLOTTE COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 132 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mocha Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures