Charlotte County property record for 2105 Deborah Dr, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,624 sqft · built 2002 |
| Lot Size | 0.262 acres (11,399 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $422,000 (Apr 2026) |
| Tax Bill | $6,256 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Jun 2026 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 412214478004 |
| Primary APN | 412214478004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 2,445 sqft |
| 1st Floor Area | 1,624 sqft |
| Central Vacuum | Central Vacuum |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 11,399 sqft (0.262 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 260 sqft |
|---|---|
| Porch | Enclosed/Screened Porch |
| Porch Area | 317 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952110308004 |
|---|---|
| Street Address | 2105 DEBORAH DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-8165 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PUNTA GORDA ISLES SEC12 BLK162 LT 34 994/503 DC1709/863-JFL 1938/723 2099/1756 AFF3590/512-MR DC3649/436-MR PR12-633 LOA3652/1804 3690/504 3767/642 4255/916 4518/677 |
| Legal Range | 22E |
| Legal Township | 41S |
| Legal Section | 14 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 162 |
| Legal Lot Number | 34 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 10405 |
Source: Charlotte County records, as of June 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 310 2ND AVE SW, 201, MIAMI, OK 74354-6702 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Apr 2, 2026 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Jun 17, 2026 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Dec 18, 2019 | Warranty Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC |
| Nov 16, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2026 · Amount on Record |
| Deed Sale | Apr 2, 2026 · Amount on Record |
| Prior Sale | Dec 18, 2019 · Amount on Record |
| Deed Document Number | 20263629462 |
| Prior Transfer Date | Nov 16, 2017 |
| Prior Transfer Doc | 0042550916 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 2, 2026 |
| Property Address | 2105 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| Document Number | 0003629462 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 20263629462 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2026 |
| Title Company | SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TITLE & CLOSINGS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $298,354.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Document Number | 0003629464, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 20263629464 |
| Name | USAA FSB |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 17, 2026 |
| Property Address | 2105 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| Document Number | 0003655474 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 20263655474 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Document Number | 0003655474, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 20263655474 |
| Name | USAA FSB |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Dec 18, 2019 |
| Property Address | 2105 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| Document Number | 0045180677 |
| Book / Page | 4518 / 0677 |
| Map Reference | MB 8 PG 6A-6T |
| Instrument Date | Dec 16, 2019 |
| Instrument | 2770425 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | ALL COAST TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,977.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 MENZEL AVE, 11, MAPLEWOOD, NJ 07040-3307 |
| Name | Verified Name |
|---|---|
| Address | 486 KEITH LN, WEST ISLIP, NY 11795-3430 |
| Document Number | 0045180682 |
|---|---|
| Date | Dec 18, 2019 |
| Instrument | 4518/0682 |
| Name | INLANTA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Nov 16, 2017 |
| Property Address | 2105 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| Document Number | 0042550916 |
| Book / Page | 004255 / 000916 |
| Instrument Date | Nov 3, 2017 |
| Instrument | 2565854 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 MENZEL AVE MAPLEWOOD NJ 070403307, MAPLEWOOD, NJ 07040-3307 |
Source: Charlotte County assessment roll, as of March 4, 2026
| 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 | $6,256.00 (-6.63%) | $376,462 (+8.57%) Land $97,750 Building $278,712 | $376,462 (-2.83%) Land $97,750 Building $278,712 |
| 2024 | $6,700.00 (+3.51%) | ||
| 2023 | $6,473.00 (+10.56%) | $346,738 (-9.38%) | $387,421 (+1.26%) Land $115,000 Building $272,421 |
| 2022 | $5,855.00 | $382,611 Land $81,600 Building $301,011 | $382,611 Land $81,600 Building $301,011 |
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 1,331 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2,225 units insured incl. 894 condo units |
| Nearby Flood Claims | 127 (2004–2024) |
| 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 | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 241 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 | 140 / 20 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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