231 Gold Tree, Punta Gorda, FL 33955 Property Records

Charlotte County property record for 231 Gold Tree, Punta Gorda, FL 33955

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,538 sqft · built 1990
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,000 (Nov 2018)
Tax Bill	$2,606 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`41-23-33-284-001`

Property Details

APN / Parcel Number

Primary APN	`41-23-33-284-001`
Alternative APNs	`0095262-016410-3` `10004712926`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area
Gross Area	2,390 sqft

Exterior

Year Built	Built 1990
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	9,600 sqft (0.22 acres)
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	390 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004712926
Old Parcel Number	00952620164103
Street Address	231 GOLD TREE
City	PUNTA GORDA
State	FL
Zip	33955-1163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PGI 018 0390 0001 PUNTA GORDA ISLES SEC18 BLK390 LT 1 562/2074 CT989/301 1093/1368 CD1115/1225 1115/1227&28 1
Legal Range	23E
Legal Township	41S
Legal Section	33
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	390
Legal Lot Number	1
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2017
Census Tract	10505

Owner

Source: Charlotte County records, as of December 10, 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	231 GOLD TREE, PUNTA GORDA, FL 33955-1163
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Nov 13, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS
Apr 3, 2018	Warranty Deed, Transfer · Conventional Mortgage LAKE MI CU
Jul 13, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2018 · Amount on Record
Deed Sale	Nov 13, 2018 · Amount on Record
Prior Sale	Apr 3, 2018 · Amount on Record
Deed Document Number	2661155
Deed Book / Page	4378 / 0565
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	231 GOLD TREE, PUNTA GORDA, FL 33955-1163
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 GOLD TREE, PUNTA GORDA, FL 33955-1163

Mortgage

Document Number	0047181894
Date	Mar 3, 2021
Book Page	4718/1894
Instrument	2910849

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 13, 2018
Property Address	231 GOLD TREE, PUNTA GORDA, FL 33955-1163
Document Number	0043780565
Book / Page	004378 / 000565
Instrument Date	Nov 12, 2018
Instrument	2661155
Transaction Type	Transfer
Record Updated	Dec 4, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,834.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	231 GOLD TREE PUNTA GORDA FL 339551163, PUNTA GORDA, FL 33955-1163

Mortgage

Document Number	43780567
Date	Nov 13, 2018
Book Page	004378/000567
Instrument	2661156

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 3, 2018
Property Address	231 GOLD TREE, PUNTA GORDA, FL 33955-1163
Document Number	0042990442
Book / Page	004299 / 000442
Instrument Date	Mar 30, 2018
Instrument	2599963
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,561.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	229 WILLOW LN LINDEN MI 484519004, LINDEN, MI 48451-9004

Mortgage

Document Number	42990444
Date	Apr 3, 2018
Book Page	004299/000444
Instrument	2599964

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.86%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	231 GOLD TREE, PUNTA GORDA, FL 33955-1163
Document Number	0042202026
Book / Page	004220 / 002026
Instrument Date	Jul 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017
Title Company	BURNT STORE TITLE AND ESCROW LLC, BURNT STORE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	231 GOLD TREE PUNTA GORDA FL 339551163, PUNTA GORDA, FL 33955-1163

Mortgage

Document Number	0042202026
Date	Jul 20, 2017
Book Page	004220/002026
Instrument	2539582

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2047

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 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	$2,606.00 (+4.66%) Homeowner's exemption	$197,850 (+5.99%)	$223,486 (+3.11%) Land $55,000 Building $168,486
2023	$2,490.00 (+3.19%) Homeowner's exemption	$186,674 (+3%)	$216,741 (-13.62%) Land $57,000 Building $159,741
2022	$2,413.00 Homeowner's exemption	$181,237	$250,910 Land $46,750 Building $204,160

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 269 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	269 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond 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 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250

May also be available: Verizon.

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