1409 Lavilla Rd, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 1409 Lavilla Rd, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,048 sqft · built 1972
Lot Size	4.61 acres (201,192 sqft)
Owner	2 Individual Names on File
Last Sale	$368,000 (Nov 2018)
Tax Bill	$5,628 (2024)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`412305326003`

Property Details

APN / Parcel Number

Primary APN	`412305326003`
Alternative APNs	`00718490005001` `10004700821`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,048 sqft Living Area
Gross Area	4,374 sqft
Upper Floors Area	784 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1984
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	201,192 sqft (4.61 acres)
Garage Type	Attached
Garage Area	1,050 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	1,060 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00718490005001
Street Address	1409 LAVILLA RD
City	PUNTA GORDA
State	FL
Zip	33950-4616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF5
Legal Description	05 41 23 P-62 4.68A M/L COMM AT THE POINT MARKING TH NE COR OF E1/2 OF W1/2 OF NE1/4 OF SW1/4 TH S AID POINT BEING ON THE S ROW OFLAVILLA RD TH S 265FT FOR POB TH CONT S 513.31FT TO NW ROW ACL R/R TH SW ALG ROW 327.96FT N 911.08FT TO ROW LAVILLA
Legal Range	23E
Legal Township	41S
Legal Section	05
Legal Tract	ZZZ
Legal Block	P62
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2066
Census Tract	10302

Owner

Source: Charlotte County assessment roll, 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 File
Mailing Address	1409 LAVILLA RD, PUNTA GORDA, FL 33950-4616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Nov 2, 2018	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 2, 2018 · Amount on Record
Deed Sale	Nov 2, 2018 · Amount on Record
Prior Sale	Dec 3, 2003 · Amount on Record
Deed Document Number	20182658398
Deed Book / Page	4375 / 646
Prior Transfer Date	Apr 16, 2004
Prior Transfer Doc	0001190201
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	1409 LAVILLA RD, PUNTA GORDA, FL 33950-4616
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046291325
Date	Sep 11, 2020
Book Page	4629/1325
Instrument	2850429

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 2, 2018
Property Address	1409 LAVILLA RD, PUNTA GORDA, FL 33950-4616
Document Number	0043750646
Book / Page	004375 / 000646
Instrument Date	Nov 1, 2018
Instrument	2658398
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,576.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1409 LAVILLA RD PUNTA GORDA FL 339504616, PUNTA GORDA, FL 33950-4616

Mortgage

Document Number	43750648
Date	Nov 2, 2018
Book Page	004375/000648
Instrument	2658399

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 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	Veteran's exemption	$330,186 (+5.99%)	$515,663 (+15.29%) Land $244,375 Building $271,288
2024	$5,628.00 (+1.17%)
2023	$5,563.00 (+3.83%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$311,534 (+3%)	$447,287 (+14%) Land $230,000 Building $217,287
2022	$5,358.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$302,460	$392,351 Land $97,750 Building $294,601

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 335 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	734 units insured incl. 399 condo units
Nearby Flood Claims	335 (1983–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 145 claims Hurricane Helene, Sep 2024 · 112 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 12 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 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: ALTIUS Communications, Ripple Fiber, T-Mobile USA.

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