120 Gold Tree, Punta Gorda, FL 33955 Property Records

Charlotte County property record for 120 Gold Tree, Punta Gorda, FL 33955

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,629 sqft · built 2005
Lot Size	0.3 acres (13,085 sqft)
Owner	Individual Name on File
Last Sale	$178,500 (Aug 2014)
Tax Bill	$2,300 (2025)
Deeds & Mortgages	Apr 2023 Mortgage May 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-23-33-281-015`

Property Details

APN / Parcel Number

Primary APN	`41-23-33-281-015`
Alternative APNs	`0095262-018160-1` `10004712900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,629 sqft Living Area
Gross Area	2,247 sqft

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	13,085 sqft (0.3 acres)
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004712900
Old Parcel Number	00952620181601
Street Address	120 GOLD TREE
City	PUNTA GORDA
State	FL
Zip	33955-1147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PGI 018 0395 0016 PUNTA GORDA ISLES SEC18 BLK395 LT 16 875/16 2363/1508 DC3549/50-DC PR11-298-DC LOA355
Legal Range	23E
Legal Township	41S
Legal Section	33
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	395
Legal Lot Number	16
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2018
Census Tract	10505

Owner

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

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	120 GOLD TREE, PUNTA GORDA, FL 33955-1147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 22, 2018	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Mar 30, 2017	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 18, 2014 · Amount on Record
Deed Sale	Aug 18, 2014 · Amount on Record
Prior Sale	Aug 4, 2011
Deed Document Number	2288053
Deed Book / Page	3893 / 0690
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	120 GOLD TREE, PUNTA GORDA, FL 33955-1147
Transaction Type	Mortgage
Record Updated	May 12, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 GOLD TREE, PUNTA GORDA, FL 33955-1147

Mortgage

Document Number	0003257010
Date	Apr 27, 2023
Instrument	3257010

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Oct 1, 2050

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLOTTE FL
Property Address	120 GOLD TREE, PUNTA GORDA, FL 33955-1147
Document Number	0043360036
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 GOLD TREE PUNTA GORDA FL 339551147, PUNTA GORDA, FL 33955-1147

Mortgage

Document Number	0043360036
Date	Jul 10, 2018
Book Page	004336/000036
Instrument	2628274

Lender

Name	PENNYMAC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	120 GOLD TREE, PUNTA GORDA, FL 33955-1147
Document Number	0041850623
Book / Page	004185 / 000623
Instrument Date	Mar 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 GOLD TREE PUNTA GORDA FL 339551147, PUNTA GORDA, FL 33955-1147

Mortgage

Document Number	0041850623
Date	Apr 7, 2017
Book Page	004185/000623
Instrument	2513662

Lender

Name	SUNCOAST CU
Address	PO BOX 11904, TAMPA, FL 33680-1904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 6, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Municipality	Punta Gorda City
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,300.00 (-31.34%) Homeowner's exemption	$179,429 (+5.99%)	$276,673 (+4.21%) Land $47,000 Building $229,673
2023	$3,350.00 (+2.45%) Homeowner's exemption	$169,293 (+3%)	$265,499 (-4.91%) Land $45,000 Building $220,499
2022	$3,270.00 Homeowner's exemption	$164,362	$279,202 Land $36,550 Building $242,652

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 269 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	269 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 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

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	3,000 / 3,000
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: Verizon.

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