1405 Algiers St, Punta Gorda, FL 33980 Property Records

Charlotte County property record for 1405 Algiers St, Punta Gorda, FL 33980

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,792 sqft · built 1990
Lot Size	0.302 acres (13,160 sqft)
Owner	Trust Name on File
Last Sale	$151,000 (Oct 1993)
Tax Bill	$2,902 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`402212407026`

Property Details

APN / Parcel Number

Primary APN	`402212407026`
Alternative APNs	`00084980000002` `10004574955`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,792 sqft Living Area
Gross Area	3,573 sqft
1st Floor Area	2,792 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	13,160 sqft (0.302 acres)
Lot Dimensions	125 ft deep x 103 ft wide
Garage Type	Attached
Garage Area	506 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	35 sqft
Porch	Enclosed/Screened Porch
Porch Area	275 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00084980000002
Street Address	1405 ALGIERS ST
City	PUNTA GORDA
State	FL
Zip	33980-1900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PORT CHARLOTTE SEC12 BLK1611 LT 14 872/1764 985/418 1062/1842 1303/1880 2969/459 4744/1194 4938/2053 UNREC DC-FJS SR
Legal Range	22E
Legal Township	40S
Legal Section	12
Legal Subdivision	PORT CHARLOTTE
Legal Tract	PCH
Legal Block	1611
Legal Lot Number	14
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1054
Census Tract	20203

Owner

1405 Algiers St is owner-occupied and held in a trust since February 2021.

Source: Charlotte County records, as of September 4, 2026

Owner of Record	Trust Name on File
Mailing Address	1405 ALGIERS ST, PUNTA GORDA, FL 33980-1900
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMNET ESOP CORPORATION
Mar 4, 2022	Intrafamily Transfer, Transfer ELEVATED TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 1993 · Amount on File
Deed Sale	Oct 13, 1993 · Amount on File
Deed Book / Page	1303 / 1880
Last Transfer Date	Feb 4, 2021
Transfer Doc	0049382053
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 27, 2026
Property Address	1405 ALGIERS ST, PUNTA GORDA, FL 33980-1900
Document Number	0003678073
Instrument Date	Aug 22, 2026
Instrument	20263678073
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust, 222
Address	1405 ALGIERS ST, PUNTA GORDA, FL 33980-1900

Mortgage

Document Number	0003678073,
Date	Aug 27, 2026
Instrument	20263678073

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 12, 2021
Property Address	1405 ALGIERS ST, PORT CHARLOTTE, FL 33980-1900
Document Number	0047441194
Book / Page	4744 / 1194
Map Reference	MB 5 PG 1A-1D
Instrument Date	Feb 4, 2021
Instrument	2929091
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	ELEVATED TITLE LLC, ELEVATED TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1405 ALGIERS ST, PUNTA GORDA, FL 33980-1900

Mortgage

Document Number	47441196
Date	Apr 12, 2021
Instrument	4744/1196

Lender

Name	AMNET ESOP CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2051

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 4, 2022
Property Address	1405 ALGIERS ST, PORT CHARLOTTE, FL 33980-1900
Document Number	0049382053
Book / Page	4938 / 2053
Map Reference	MB 5 PG 1A-1D
Instrument Date	Feb 4, 2021
Instrument	3067818
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ELEVATED TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	1405 ALGIERS ST, PUNTA GORDA, FL 33980-1900

Tax Assessment & Valuation

The 2025 property tax bill for 1405 Algiers St was $2,902 with exemptions applied, down 0.6% from the year before.

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	$2,902.00 (-0.58%) Homeowner's exemption Widower's exemption	$186,041	$439,243 Land $18,700 Building $420,543
2024	$2,919.00 (+1.32%)
2023	$2,881.00 (+3.89%) Homeowner's exemption	$175,532 (+3%)	$318,052 (-30.9%) Land $22,000 Building $296,052
2022	$2,773.00 Homeowner's exemption	$170,419	$460,294 Land $13,175 Building $447,119

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

Flood

FEMA maps place 1405 Algiers St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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 File median of 43 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	43 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 1405 Algiers St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fiber	5,000 / 5,000
CenturyLink Fiber	3,000 / 3,000
Xfinity Cable	2,000 / 250

May also be available: Ripple Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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