23 Pepe Ct, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 23 Pepe Ct, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,932 sqft · built 1989
Lot Size	0.248 acres (10,816 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jan 2022)
Tax Bill	$3,837 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jan 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`402304203003`

Property Details

APN / Parcel Number

Primary APN	`402304203003`
Alternative APNs	`00952620889107` `10004606886`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,932 sqft Living Area
Gross Area	2,532 sqft
1st Floor Area	1,932 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2002
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	10,816 sqft (0.248 acres)
Garage Type	Attached
Garage Area	380 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed/Screened Porch
Porch Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952620889107
Street Address	23 PEPE CT
City	PUNTA GORDA
State	FL
Zip	33983-5332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PUNTA GORDA ISLES SEC20 BLK561 LT 11 976/562 1063/713 DC1458/304-FM 1527/569 3012/1890 3280/1363 3891/357 DC4638/1703-JDP 4910/1738
Legal Range	23E
Legal Township	40S
Legal Section	04
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	561
Legal Lot Number	11
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	3
Census Block	3000
Census Tract	20103

Owner

Source: Charlotte County records, as of November 19, 2025

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	6144 KNOTTS CREEK LN, SUFFOLK, VA 23435-1942
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Jan 14, 2022	Affidavit of Death of Joint Tenant, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Prior Sale	Apr 17, 2008 · Amount on Record
Deed Document Number	20223046356
Deed Book / Page	4910 / 1738
Prior Transfer Date	Jan 10, 2022
Prior Transfer Doc	0049101736
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 14, 2022
Property Address	23 PEPE CT, PUNTA GORDA, FL 33983-5332
Document Number	0049101738
Book / Page	4910 / 1738
Map Reference	MB 11 PG 2
Instrument Date	Jan 13, 2022
Instrument	3046356
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	132 PERRY ST, DOUGLAS, MA 01516-2423

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6144 KNOTTS CREEK LN, SUFFOLK, VA 23435-1942
Investor	Possibly a Property Investor

Mortgage

Document Number	0049101740
Date	Jan 14, 2022
Instrument	4910/1740

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

January 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 14, 2022
Property Address	23 PEPE CT, PUNTA GORDA, FL 33983-5332
Document Number	0049101736
Book / Page	4910 / 1736
Map Reference	MB 11 PG 2
Instrument Date	Jan 10, 2022
Instrument	3046354
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,837.00 (-22.8%)	$254,410 (-16.16%) Land $38,250 Building $216,160	$254,410 (-5.84%) Land $38,250 Building $216,160
2024	$4,970.00 (-12.24%)
2023	$5,663.00 (+19.27%)	$303,464 (+19.5%)	$270,175 (+6.39%) Land $38,000 Building $232,175
2022	$4,748.00	$253,954 Land $27,200 Building $226,754	$253,954 Land $27,200 Building $226,754

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 80 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	80 in force
Nearby Flood Claims	6 (1995–2022)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Sep 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 Risk	High above 80% of the US · above 69% of Florida
Wildfire Likelihood	0.6% annual chance
Exposure	Direct 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 System	CHARLOTTE COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 132 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

Cell Coverage

5G (outdoors only) and 4G LTE

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