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195 Uruguay Dr, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 195 Uruguay Dr, Punta Gorda, FL 33983

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,983 sqft · built 1989
Lot Size0.22 acres (9,600 sqft)
Owner2 Individual Names on Record
Last Sale$370,000 (Mar 2026)
Tax Bill$5,308 (2025)
Deeds & MortgagesMar 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN402305153006

Property Details

APN / Parcel Number

Primary APN402305153006
Alternative APNs
  • 00952621096408
  • 10004608045

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,983 sqft Living Area
Gross Area2,791 sqft
1st Floor Area1,983 sqft

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area9,600 sqft (0.22 acres)
Garage TypeAttached
Garage Area400 sqft
DrivewayDriveway
Driveway Area1 sqft
Parking Spaces2 Parking Spaces
Pool Area464 sqft
PorchEnclosed/Screened Porch
Porch Area408 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerConnected

Location & Zoning

Account Number00952621096408
Street Address195 URUGUAY DR
CityPUNTA GORDA
StateFL
Zip33983-5234
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF3.5
Legal DescriptionPUNTA GORDA ISLES SEC20 BLK612 LT14 837-1662 999-651 1000-1473 1047-194 3411649
Legal Range23E
Legal Township40S
Legal Section05
Legal SubdivisionPUNTA GORDA ISLES
Legal TractPGI
Legal Block612
Legal Lot Number14
JurisdictionCHARLOTTE FL
Township / Civil DivisionPORT CHARLOTTE
Census Block Group3
Census Block3005
Census Tract20103

Owner

Source: Charlotte County records, as of June 30, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address195 URUGUAY DR, PUNTA GORDA, FL 33983-5234
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 12, 2026 · Amount on Record
Deed SaleMar 12, 2026 · Amount on Record
Prior SaleMay 30, 2024 · Amount on Record
Deed Document Number20263622718
Record UpdatedSep 20, 2026

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateMar 12, 2026
Property Address195 URUGUAY DR, PUNTA GORDA, FL 33983-5234
Document Number0003622718
Map ReferenceMB 11 PG 2A-2Z42
Instrument DateMar 11, 2026
Instrument3622718
Transaction TypeTransfer
Record UpdatedMar 25, 2026
Title CompanySUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,590.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address195 URUGUAY DR, PUNTA GORDA, FL 33983-5234

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address195 URUGUAY DR, PUNTA GORDA, FL 33983-5234

Mortgage

Document Number0003622719
DateMar 12, 2026
Instrument3622719
Lender
NameCORNERSTONE FIRST MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2056

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of March 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,308.00 (-6.94%)$330,616 (+26.2%) Land $38,250 Building $292,366$330,616 (+31.65%) Land $38,250 Building $292,366
2024$5,704.00 (+2.08%)
2023$5,588.00 (+19.94%)$261,974 (-0.54%)$251,124 (-4.66%) Land $38,000 Building $213,124
2022$4,659.00$263,390 Land $27,200 Building $236,190$263,390 Land $27,200 Building $236,190

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 80 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies80 in force
Nearby Flood Claims6 (1995–2022)
Claims Outside the SFHA5 of 6
Most Recent ClaimSep 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 RiskLow
lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood0.07% annual chance
ExposureDirect
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 SystemCHARLOTTE COUNTY UTILITIES
serves 173,820 people · EPA ID FL5084100
Water SourcePurchased surface water from several systems
Last State InspectionJun 2025
Lead10 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2025
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 133 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Ripple Fiber
Fiber		2,000 / 2,000
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

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