Charlotte County property record for 2123 Deborah Dr, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,145 sqft · built 2023 |
| Lot Size | 0.262 acres (11,399 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Apr 2021) |
| Tax Bill | $10,163 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Dec 2023 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 412223226002 |
| Primary APN | 412223226002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,145 sqft Living Area |
| Gross Area | 3,386 sqft |
| 1st Floor Area | 2,145 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Metal |
| Lot Area | 11,399 sqft (0.262 acres) |
| Garage Type | Attached |
| Garage Area | 718 sqft |
| Driveway | Driveway |
| Driveway Area | 1,678 sqft |
| Pool Area | 49 sqft |
| Porch | Raised Porch |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952110305007 |
|---|---|
| Street Address | 2123 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 LT31 780/918 1038/1120 2024/1335 2283/1199 4757/1579 |
| Legal Range | 22E |
| Legal Township | 41S |
| Legal Section | 23 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 162 |
| Legal Lot Number | 31 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 10405 |
2123 Deborah Dr is owned and occupied by an individual who bought it in April 2021.
Source: Charlotte County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2123 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| 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 |
|---|---|
| Mar 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Dec 5, 2023 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Oct 18, 2021 | Deed of Trust, Mortgage · Construction Mortgage THE MORTGAGE FIRM INC |
| Apr 30, 2021 | Warranty Deed, Transfer SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2021 · Amount on File |
| Deed Sale | Apr 30, 2021 · Amount on File |
| Prior Sale | Aug 8, 2003 · Amount on File |
| Deed Document Number | 20212938434 |
| Deed Book / Page | 4757 / 1579 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 2123 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2123 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| Document Number | 0003625119 |
|---|---|
| Date | Mar 19, 2026 |
| Instrument | 3625119 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 2123 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 8911 TUSCANY ISLES DR, PUNTA GORDA, FL 33950-5341 |
| Document Number | 0003345377 |
|---|---|
| Date | Dec 5, 2023 |
| Instrument | 3345377 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 2123 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2021 |
| Title Company | SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS |
| Name | Verified Name |
|---|---|
| Address | 8911 TUSCANY ISLES DR, PUNTA GORDA, FL 33950-5341 |
| Document Number | 0048591758 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 4859/1758 |
| Instrument | 3010810 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Apr 30, 2021 |
| Property Address | 2123 DEBORAH DR, PUNTA GORDA, FL 33950-8165 |
| Document Number | 0047571579 |
| Book / Page | 4757 / 1579 |
| Map Reference | MB 8 PG 6A-6T |
| Instrument Date | Apr 30, 2021 |
| Instrument | 2938434 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2021 |
| Title Company | SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS |
| Amount | Amount on Record |
|---|---|
| Tax | $630.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2630 KEIIHOD CIRCLE, 2630, SHREVEPORT, LA 71106 |
| Name | Verified Name |
|---|---|
| Address | 891 TUSCANY ISLES DRIVE, PUNTA GORDA, FL 33950 |
The 2025 property tax bill for 2123 Deborah Dr was $10,163 with a homeowner's exemption, down 10.1% from the year before.
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 | $10,163.00 (-10.08%) Homeowner's exemption | $652,579 Land $97,750 Building $554,829 | $652,579 Land $97,750 Building $554,829 |
| 2024 | $11,302.00 (+615.32%) | ||
| 2023 | $1,580.00 (+13.02%) | $89,760 (+1%) | $115,000 (+40.93%) Land $115,000 |
| 2022 | $1,398.00 | $81,600 Land $81,600 | $81,600 Land $81,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2123 Deborah 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 | 9.0 ft |
| Coastal | Yes |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 2123 Deborah Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 250 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 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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