189 Mocha Ct, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 189 Mocha Ct, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,779 sqft · built 1987
Lot Size	0.22 acres (9,599 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Nov 2021)
Tax Bill	$3,461 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`402304254002`

Property Details

APN / Parcel Number

Primary APN	`402304254002`
Alternative APNs	`00952620895305` `10004607058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,779 sqft Living Area
Gross Area	2,374 sqft
1st Floor Area	1,779 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2002
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,599 sqft (0.22 acres)
Garage Type	Attached
Garage Area	390 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	1 Parking Space
Pool Area	312 sqft
Porch	Slab
Porch Area	205 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952620895305
Street Address	189 MOCHA CT
City	PUNTA GORDA
State	FL
Zip	33983-5346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PUNTA GORDA ISLES SEC20 BLK562 LT33 949/698 1402/2002 DC1803/885 1803/887 1854/2039 CT3898/1158 3909/1426 3964/123 4334/1790 4869/648
Legal Range	23E
Legal Township	40S
Legal Section	04
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	562
Legal Lot Number	33
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	3
Census Block	3000
Census Tract	20103

Owner

Source: Charlotte County records, 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 Record
Mailing Address	189 MOCHA CT, PUNTA GORDA, FL 33983-5346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2021 · Amount on Record
Deed Sale	Nov 2, 2021 · Amount on Record
Prior Sale	Apr 20, 2015 · Amount on Record
Deed Document Number	20213017348
Deed Book / Page	4869 / 648
Prior Transfer Date	Apr 25, 1995
Prior Transfer Doc	1402002002
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 2, 2021
Property Address	189 MOCHA CT, PUNTA GORDA, FL 33983-5346
Document Number	0048690648
Book / Page	4869 / 648
Map Reference	MB 11 PG 2A-2Z42
Instrument Date	Oct 29, 2021
Instrument	3017348
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	RESOLUTIONS TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 DALEFIELD LOOP, CROSSVILLE, TN 38558-7426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 MOCHA CT, PUNTA GORDA, FL 33983-5346

Mortgage

Document Number	0004869650
Date	Nov 2, 2021
Instrument	4869/650

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 5, 2018
Property Address	189 MOCHA CT, PUNTA GORDA, FL 33983-5346
Document Number	0043341790
Book / Page	004334 / 001790
Instrument Date	May 2, 2018
Instrument	2627365
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	189 MOCHA CT PUNTA GORDA FL 339835346, PUNTA GORDA, FL 33983-5346

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	$3,461.00 (-20.69%) Homeowner's exemption	$269,463 (+3.8%) Land $38,250 Building $231,213	$269,463 (+17.85%) Land $38,250 Building $231,213
2024	$4,364.00 (+0.6%)
2023	$4,338.00 (+6.25%) Homeowner's exemption	$259,600 (+3%)	$228,658 (-9.28%) Land $38,000 Building $190,658
2022	$4,083.00 Homeowner's exemption	$252,040 Land $27,200 Building $224,840	$252,040 Land $27,200 Building $224,840

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 80 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	80 in force
Nearby Flood Claims	6 (1995–2022)
Claims Outside the SFHA	5 of 6
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

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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