112 Rio Cuarto St, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 112 Rio Cuarto St, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,236 sqft · built 1989
Lot Size	0.22 acres (9,599 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,679 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`402305238009`

Property Details

APN / Parcel Number

Primary APN	`402305238009`
Alternative APNs	`00952621047408` `10004608416`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,236 sqft Living Area
Gross Area	2,936 sqft
1st Floor Area	2,236 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	9,599 sqft (0.22 acres)
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Pool Area	325 sqft
Porch	Enclosed/Screened Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952621047408
Street Address	112 RIO CUARTO ST
City	PUNTA GORDA
State	FL
Zip	33983-4210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PUNTA GORDA ISLES SEC20 BLK600 LT14 1017/109 C#90-1728 CT1152/1828 1172/364 4378/1769
Legal Range	23E
Legal Township	40S
Legal Section	05
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	600
Legal Lot Number	14
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 November 19, 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	112 RIO CUARTO ST, PUNTA GORDA, FL 33983-4210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER
Nov 14, 2018	Quit Claim Deed, Transfer · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 6, 2018
Transfer Doc	0043781769
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	112 RIO CUARTO ST, PUNTA GORDA, FL 33983-4210
Document Number	0044572121
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	112 RIO CUARTO ST PUNTA GORDA FL 339834210, PUNTA GORDA, FL 33983-4210

Mortgage

Document Number	0044572121
Date	Jul 9, 2019
Book Page	004457/002121
Instrument	2724506

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2049

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 14, 2018
Property Address	112 RIO CUARTO ST, PUNTA GORDA, FL 33983-4210
Document Number	0043781769
Book / Page	004378 / 001769
Instrument Date	Nov 6, 2018
Instrument	2661671
Transaction Type	Transfer
Record Updated	Dec 4, 2018
Title Company	TITLE 365

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	112 RIO CUARTO ST PUNTA GORDA FL 339834210, PUNTA GORDA, FL 33983-4210

Mortgage

Document Number	43781773
Date	Nov 14, 2018
Book Page	004378/001773
Instrument	2661672

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2048

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 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	$1,679.00 (-33.79%) Homeowner's exemption	$151,357 (+5.99%)	$376,989 (+31.14%) Land $38,250 Building $338,739
2024	$2,536.00 (+1.72%)
2023	$2,493.00 (+9.34%) Homeowner's exemption	$142,807 (+3%)	$287,461 (-5.05%) Land $38,000 Building $249,461
2022	$2,280.00 Homeowner's exemption	$138,648	$302,764 Land $27,200 Building $275,564

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 65% of the US · above 41% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 315 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
CenturyLink DSL	140 / 20

May also be available: Verizon.

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