Charlotte County property record for 197 Gulfview Rd, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,426 sqft · built 2005 |
| Lot Size | 0.353 acres (15,382 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $875,000 (Oct 2026) |
| Tax Bill | $14,550 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 412211409009 |
| Primary APN | 412211409009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,426 sqft Living Area |
| Gross Area | 3,522 sqft |
| 1st Floor Area | 2,426 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Masonry |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 15,382 sqft (0.353 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 605 sqft |
| Driveway | Driveway |
| Driveway Area | 2,307 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 364 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 491 sqft |
| Loading Dock | 71 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00928370000006 |
|---|---|
| Street Address | 197 GULFVIEW RD |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-5165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PUNTA GORDA ISLES SEC4 BLK5 LT 15 244/197 273/630 1482/1233 1844/565 1844/567 1962/1965 2368/1929 2710/1643 2811/545 4047/329 4634/1362 5019/2108 |
| Legal Range | 22E |
| Legal Township | 41S |
| Legal Section | 11 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 5 |
| Legal Lot Number | 15 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 10401 |
Source: Charlotte County records, as of October 16, 2026
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 | 197 GULFVIEW RD, PUNTA GORDA, FL 33950-5165 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL CREDIT UNION |
| Jul 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Sep 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2026 · Amount on Record |
| Deed Sale | Oct 1, 2026 · Amount on Record |
| Prior Sale | Jul 18, 2022 · Amount on Record |
| Deed Document Number | 20263689178 |
| Prior Transfer Date | Dec 22, 2003 |
| Prior Transfer Doc | 2368001929 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Oct 1, 2026 |
| Property Address | 197 GULFVIEW RD, PUNTA GORDA, FL 33950-5165 |
| Document Number | 0003689178 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 20263689178 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $618,625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 197 GULFVIEW RD, PUNTA GORDA, FL 33950-5165 |
| Document Number | 0003689180, |
|---|---|
| Date | Oct 1, 2026 |
| Instrument | 20263689180 |
| Name | CENTRAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 197 GULFVIEW RD, PUNTA GORDA, FL 33950-5165 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Title Company | HOMESTOWN TTL & CLOSING SVCS |
| Name | Verified Name |
|---|---|
| Address | 10259 KRESS RD, PINCKNEY, MI 48169-8428 |
| Document Number | 0050192110 |
|---|---|
| Date | Jul 18, 2022 |
| Book Page | 5019/2110 |
| Instrument | 3128930 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Aug 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 6.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Sep 22, 2020 |
| Property Address | 197 GULFVIEW RD, PUNTA GORDA, FL 33950-5165 |
| Document Number | 0046341362 |
| Book / Page | 4634 / 1362 |
| Map Reference | MB 5 PG 45 |
| Instrument Date | Sep 3, 2020 |
| Instrument | 2853879 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,795.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 511022, PUNTA GORDA, FL 33951-1022 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2504 PARSONS GATE, FLORENCE, SC 29501-2910 |
| Document Number | 0046341363 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 4634/1363 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Charlotte County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Municipality | Punta Gorda City |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,550.00 (+4.47%) | $794,332 (+5.49%) Land $178,500 Building $615,832 | $794,332 (+11.49%) Land $178,500 Building $615,832 |
| 2023 | $13,927.00 (+44.17%) | $752,991 (+33.53%) | $712,447 (+26.34%) Land $200,000 Building $512,447 |
| 2022 | $9,660.00 | $563,896 Land $136,000 Building $427,896 | $563,896 Land $136,000 Building $427,896 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 436 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,147 units insured incl. 711 condo units |
| Nearby Flood Claims | 242 (1982–2024) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 354 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 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
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