1. Home
  2. Florida
  3. Charlotte County
  4. Punta Gorda
  5. Gold Tree

120 Gold Tree, Punta Gorda, FL 33955 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,629 sqft · built 2005
Lot Size0.3 acres (13,085 sqft)
OwnerIndividual Name on File
Last Sale$178,500 (Aug 2014)
Tax Bill$2,300 (2025)
Deeds & MortgagesApr 2023 Mortgage
May 2018 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN41-23-33-281-015

Property Details

APN / Parcel Number

Primary APN41-23-33-281-015
Alternative APNs
  • 0095262-018160-1
  • 10004712900

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,629 sqft Living Area
Gross Area2,247 sqft

Exterior

Year BuiltBuilt 2005
Architectural StyleOther
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof MaterialComposition Shingle
Lot Area13,085 sqft (0.3 acres)
Garage Area420 sqft
DrivewayDriveway
Driveway Area1 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area198 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number10004712900
Old Parcel Number00952620181601
Street Address120 GOLD TREE
CityPUNTA GORDA
StateFL
Zip33955-1147
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeGS-3.5
Legal DescriptionPGI 018 0395 0016 PUNTA GORDA ISLES SEC18 BLK395 LT 16 875/16 2363/1508 DC3549/50-DC PR11-298-DC LOA355
Legal Range23E
Legal Township41S
Legal Section33
Legal SubdivisionPUNTA GORDA ISLES
Legal Block395
Legal Lot Number16
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group2
Census Block2018
Census Tract10505

Owner

Source: Charlotte County records · APN 41-23-33-281-015

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address120 GOLD TREE, PUNTA GORDA, FL 33955-1147
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

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

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 18, 2014 · Amount on Record
Deed SaleAug 18, 2014 · Amount on Record
Prior SaleAug 04, 2011
Deed Document Number2288053
Deed Book / Page3893 / 0690
Record UpdatedJun 08, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address120 GOLD TREE, PUNTA GORDA, FL 33955-1147
Transaction TypeMortgage
Record UpdatedMay 12, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 GOLD TREE, PUNTA GORDA, FL 33955-1147

Mortgage

Document Number0003257010
DateApr 27, 2023
Instrument3257010
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term330 Months
DueOct 01, 2050

May 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionCHARLOTTE FL
Property Address120 GOLD TREE, PUNTA GORDA, FL 33955-1147
Document Number0043360036
Instrument DateMay 22, 2018
Transaction TypeMortgage
Record UpdatedJul 26, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address120 GOLD TREE PUNTA GORDA FL 339551147, PUNTA GORDA, FL 33955-1147

Mortgage

Document Number0043360036
DateJul 10, 2018
Book Page004336/000036
Instrument2628274
Lender
NamePENNYMAC
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 09, 2048
Interest
Rate TypeFixed Rate
Rate4.12%

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHARLOTTE FL
Property Address120 GOLD TREE, PUNTA GORDA, FL 33955-1147
Document Number0041850623
Book / Page004185 / 000623
Instrument DateMar 30, 2017
Transaction TypeMortgage
Record UpdatedJul 17, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address120 GOLD TREE PUNTA GORDA FL 339551147, PUNTA GORDA, FL 33955-1147

Mortgage

Document Number0041850623
DateApr 07, 2017
Book Page004185/000623
Instrument2513662
Lender
NameSUNCOAST CU
AddressPO BOX 11904, TAMPA, FL 33680-1904
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueApr 06, 2042
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed 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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charlotte County (12015C), as of September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120150105052, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 269 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies269 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA2 of 6
Most Recent ClaimSep 2024 · Hurricane Helene
Claims by Event
  • Hurricane Irma, Sep 2017 · 2 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 claims

Wildfire

Wildfire RiskModerate
above 42% of the US · lower than 86% of Florida
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Based on FCC filings for 238 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL6080051, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF PUNTA GORDA
serves 36,302 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Gold Tree

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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