Charlotte County property record for 1116 Rum Cay Ct, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,569 sqft · built 1998 |
| Lot Size | 0.225 acres (9,805 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $55,000 (Oct 1996) |
| Tax Bill | $6,222 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 41-22-12-404-002 |
| Primary APN | 41-22-12-404-002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,569 sqft Living Area |
| Gross Area | 3,453 sqft |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Ceramic Tile |
| Lot Area | 9,805 sqft (0.225 acres) |
| Garage Type | Finished |
| Garage Area | 636 sqft |
| Driveway | Driveway |
| Driveway Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 351 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 248 sqft |
| Loading Dock | 210 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1116 RUM CAY CT |
|---|---|
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-5829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PGI 011 0094 0005 PUNTA GORDA ISLES SEC11 BLK94 LT 5 511/585 584/680 1400/428 1490/445 |
| Legal Range | EEE |
| Legal Township | SSS |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 94 |
| Legal Lot Number | 5 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10402 |
1116 Rum Cay Ct is owned and occupied by two individuals who bought it in October 1996.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1116 RUM CAY CT, PUNTA GORDA, FL 33950-5829 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 1996 · Amount on File |
| Deed Sale | Oct 3, 1996 · Amount on File |
| Prior Sale | May 2, 1995 |
| Deed Document Number | 0149000445 |
| Deed Book / Page | 01490 / 00445 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1116 Rum Cay Ct was $6,222 with a homeowner's exemption.
Source: Charlotte County assessment roll, as of July 1, 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 | $6,222.00 Homeowner's exemption | $415,407 | $821,573 Land $334,000 Building $487,573 |
| 2023 | $381,823 (+3%) | $803,929 (+1.02%) Land $334,000 Building $469,929 | |
| 2022 | $5,814.00 Homeowner's exemption | $370,702 | $795,792 Land $236,300 Building $559,492 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1116 Rum Cay 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 1116 Rum Cay 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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