Charlotte County property record for 195 Summerset Dr, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,408 sqft · built 1988 |
| Lot Size | 0.526 acres (22,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Jun 2021) |
| Tax Bill | $684 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage May 2017 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 402301151006 |
| Primary APN | 402301151006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Living Area |
| Gross Area | 1,932 sqft |
| Upper Floors Area | 480 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 22,900 sqft (0.526 acres) |
| Lot Dimensions | 229 ft deep x 80 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Driveway | Driveway |
| Driveway Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed/Screened Porch |
|---|---|
| Porch Area | 216 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Loading Dock | 300 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 00888050000002 |
|---|---|
| Street Address | 195 SUMMERSET DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33982-8316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | PEACE RIV SH UN 3 BLK 1 LTS 127 & 128 113/409 663/501 851/287 1184/2189 4793/81 PRS 003 0001 0126 PEACE RIVER SH UN 3 BLK 1 NW 1/2 LT 126 320/481 DC544/400 576/1977 770/1393 800/1271 REV/POA1559/356 DC1569/109(LW) POA1571/1083 1990/1937 2439/42 |
| Legal Range | 23E |
| Legal Township | 40S |
| Legal Section | 01 |
| Legal Subdivision | PEACE RIV SH |
| Legal Tract | PRS |
| Legal Block | 1 |
| Legal Lot Number | 127 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 10200 |
195 Summerset Dr is owned and occupied by two individuals who bought it in June 2021.
Source: Charlotte County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 SUMMERSET DR, PUNTA GORDA, FL 33982-8316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| May 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Oct 27, 2020 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2021 · Amount on File |
| Deed Sale | Jun 25, 2021 · Amount on File |
| Deed Document Number | 20212964182 |
| Deed Book / Page | 4793 / 81 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 25, 2021 |
| Property Address | 195 SUMMERSET DR, PUNTA GORDA, FL 33982-8316 |
| Document Number | 0047930081 |
| Book / Page | 4793 / 81 |
| Map Reference | MB 4 PG 45A-45D |
| Instrument Date | May 25, 2021 |
| Instrument | 2964182 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2021 |
| Title Company | SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 274 TALKING ROCK CREEK PRO RD, 274, CHATSWORTH, GA 30705-6898 |
| Name | Verified Name |
|---|---|
| Address | 195 SUMMERSET DR, PUNTA GORDA, FL 33982-8316 |
| Document Number | 479383 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 4793/83 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 195 SUMMERSET DR, PUNTA GORDA, FL 33982-8316 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0042020907 |
|---|---|
| Date | May 25, 2017 |
| Book Page | 4202/0907 |
| Instrument | 2526211 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 195 SUMMERSET DR, PUNTA GORDA, FL 33982-8316 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 195 SUMMERSET DR, PUNTA GORDA, FL 33982-8316 |
| Document Number | 0046520894 |
|---|---|
| Date | Oct 27, 2020 |
| Book Page | 4652/894 |
| Instrument | 2866251 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 26, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 195 Summerset Dr was $684 with a veteran's exemption, down 27.5% from the year before.
Source: Charlotte County assessment roll, as of March 4, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $684.00 (-27.54%) Disabled Person's exemption Veteran's exemption | $186,372 | $219,909 Land $32,428 Building $187,481 |
| 2024 | $944.00 (+4.42%) | ||
| 2023 | $904.00 (+5.24%) Disabled Person's exemption Veteran's exemption | $175,845 (+7.65%) | $182,884 (+11.96%) Land $43,600 Building $139,284 |
| 2022 | $859.00 Disabled Person's exemption | $163,347 Land $37,060 Building $126,287 | $163,347 Land $37,060 Building $126,287 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Summerset Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 10.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 126 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 126 in force |
| Nearby Flood Claims | 68 (1982–2024) |
| Claims Outside the SFHA | 4 of 68 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 195 Summerset Dr is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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