20 Ocean Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 20 Ocean Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,531 sqft · built 1969
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$5,138 (Dec 2021)
Tax Bill	$8,435 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Apr 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`412211179005`

Property Details

APN / Parcel Number

Primary APN	`412211179005`
Alternative APNs	`00930020000003` `10004690114`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,531 sqft Living Area
Gross Area	2,412 sqft
1st Floor Area	1,531 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	10,800 sqft (0.248 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	621 sqft
Driveway	Driveway
Driveway Area	46 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	300 sqft
Porch	Enclosed/Screened Porch
Porch Area	260 sqft
Loading Dock	190 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00930020000003
Street Address	20 OCEAN DR
City	PUNTA GORDA
State	FL
Zip	33950-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC4 BLK11 LT 15 307/739 524/618 549/1191 DC1162/964 PR91-646 1257/1111 1331/73 1730/1826 1774/929 3349/1464 3349/1478 CD3541/1954 4300/1379 DC4894/844-JJG 4894/850
Legal Range	22E
Legal Township	41S
Legal Section	11
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	11
Legal Lot Number	15
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2001
Census Tract	10401

Owner

Source: Charlotte County records, as of January 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	20 OCEAN DR, PUNTA GORDA, FL 33950-5004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Apr 6, 2018	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2021 · Amount on Record
Deed Sale	Dec 15, 2021 · Amount on Record
Prior Sale	Apr 6, 2018 · Amount on Record
Deed Document Number	20213034905
Deed Book / Page	4894 / 850
Prior Transfer Date	Jan 18, 2011
Prior Transfer Doc	0035411954
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 15, 2021
Property Address	20 OCEAN DR, PUNTA GORDA, FL 33950-5004
Document Number	0048940850
Book / Page	4894 / 850
Map Reference	MB 5 PG 45A&45B
Instrument Date	Dec 15, 2021
Instrument	3034905
Transaction Type	Transfer
Record Updated	Jan 11, 2022
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,124.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 OCEAN DR, 20, PUNTA GORDA, FL 33950-5004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 OCEAN DR, PUNTA GORDA, FL 33950-5004

Mortgage

Document Number	0004894852
Date	Dec 15, 2021
Instrument	4894/852

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 6, 2018
Property Address	20 OCEAN DR, PUNTA GORDA, FL 33950-5004
Document Number	0043001379
Book / Page	004300 / 001379
Instrument Date	Apr 2, 2018
Instrument	2601178
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	HOMETOWN TITLE AND CLOSING SERVICES

Transaction

Amount	Amount Recorded
Tax	$2,695.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	20 OCEAN DR PUNTA GORDA FL 339505004, PUNTA GORDA, FL 33950-5004

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Municipality	Punta Gorda City
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,435.00 (-18.48%) Homeowner's exemption	$548,566 (-3.72%) Land $372,300 Building $176,266	$548,566 (-12.16%) Land $372,300 Building $176,266
2024	$10,347.00 (+2.29%)
2023	$10,115.00 (+3.89%) Homeowner's exemption	$569,743 (+3%)	$624,493 (+12.9%) Land $438,000 Building $186,493
2022	$9,736.00 Homeowner's exemption	$553,149 Land $310,250 Building $242,899	$553,149 Land $310,250 Building $242,899

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 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	Hurricane Milton, Oct 2024 · 140 claims Hurricane Helene, Sep 2024 · 43 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 19 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	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.

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 107 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
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: T-Mobile.

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