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114 McGregor St, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 114 McGregor St, Punta Gorda, FL 33950

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,702 sqft · built 1940
Lot Size0.253 acres (11,040 sqft)
Owner2 Individual Names on File
Last Sale$475,000 (Jun 2019)
Tax Bill$6,575 (2025)
Deeds & MortgagesSep 2020 Mortgage
Jun 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN412201478003

Property Details

APN / Parcel Number

Primary APN412201478003
Alternative APNs
  • 00914550000009
  • 10004689516

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,702 sqft Living Area
Gross Area1,912 sqft
1st Floor Area1,702 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1979
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area11,040 sqft (0.253 acres)
Lot Dimensions92 ft deep x 120 ft wide
DrivewayDriveway
Driveway Area520 sqft

Exterior Amenities

PorchRaised Porch
Porch Area259 sqft
Deck AreaDeck Area
Patio Area210 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerConnected

Location & Zoning

Account Number00914550000009
Street Address114 MCGREGOR ST
CityPUNTA GORDA
StateFL
Zip33950-3617
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeNR-10
Legal DescriptionPUNTA GORDA BLK 9 ALL LTS H & I SUB OF LTS 1 2 7 8 387/433 432/262 538/75 2058/1211 DC1168/685-JW 1190/902 2481/1779 3069/1862 3759/1542 4451/323 PUG 000 0009 000G PUNTA GORDA BLK 9 LT G RE-SUBD LTS 1 2 7 8 387/433 432/262 538/7
Legal Range22E
Legal Township41S
Legal Section01
Legal SubdivisionPUNTA GORDA
Legal TractPUG
Legal Block9
Legal Lot NumberH,I,1
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group1
Census Block1008
Census Tract10301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Punta Gorda Residential District
listed 1991 · 126 contributing resources · NRIS 90002103

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

114 McGregor St is owned and occupied by two individuals who bought it in June 2019.

Source: Charlotte County records, as of November 19, 2025

Owner of Record2 Individual Names on File
Mailing Address114 MCGREGOR ST, PUNTA GORDA, FL 33950-3617
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Sep 25, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNITED COMMUNITY BANK
Jun 19, 2019Warranty Deed, Transfer · Commercial Mortgage
UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 19, 2019 · Amount on File
Deed SaleJun 19, 2019 · Amount on File
Prior SaleFeb 11, 2014 · Amount on File
Deed Document Number20199544
Deed Book / Page4451 / 323
Prior Transfer DateMar 11, 2008
Prior Transfer Doc0032721436
Record UpdatedJun 8, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address114 MCGREGOR ST, PUNTA GORDA, FL 33950-3617
Transaction TypeMortgage
Record UpdatedMay 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2223 OAK ST, QUINCY, IL 62301-3237

Mortgage

Document Number0046361235
DateSep 25, 2020
Book Page4636/1235
Instrument2855213
Lender
NameUNITED COMMUNITY BANK
TypeBank
AddressQUINCY, IL 62305
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueOct 1, 2040

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateJun 19, 2019
Property Address114 MCGREGOR ST, PUNTA GORDA, FL 33950-3617
Document Number0044510323
Book / Page4451 / 0323
Map ReferenceMB 1 PG 23
Instrument DateJun 17, 2019
Instrument2719544
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,325.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address114 MCGREGOR ST, 114, PUNTA GORDA, FL 33950-3617

Transferred To (Grantee/Buyer)

NameVerified Name
Address114 MCGREGOR ST, PUNTA GORDA, FL 33950-3617

Mortgage

Document Number0004451325
DateJun 19, 2019
Instrument4451/325
Lender
NameUNITED COMMUNITY BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term360 Months
DueJun 17, 2049
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 114 McGregor St was $6,575, down 12.8% from the year before.

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCharlotte County
MunicipalityPunta Gorda City
Unified School DistrictCharlotte County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,575.00 (-12.78%)$395,680 Land $267,138 Building $128,542$395,680 Land $267,138 Building $128,542
2024$7,538.00 (+2.99%)
2023$7,319.00 (+7.71%)$406,913 (-7.41%)$429,325 (-2.31%) Land $337,560 Building $91,765
2022$6,795.00$439,488 Land $277,032 Building $162,456$439,488 Land $277,032 Building $162,456

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

Flood

FEMA maps place 114 McGregor St 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 308 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies556 units insured
incl. 248 condo units
Nearby Flood Claims627 (1979–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 183 claims
  • Hurricane Helene, Oct 2024 · 187 claims
  • Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 59 claims

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

Wildfire risk around 114 McGregor St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemCITY OF PUNTA GORDA
serves 36,302 people · EPA ID FL6080051
Water SourceSurface water
Last State InspectionDec 2023
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 260 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: CenturyLink.

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