Charlotte County property record for 28231 Morningside Dr, Punta Gorda, FL 33955
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,380 sqft · built 2008 |
| Lot Size | 0.294 acres (12,838 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Jun 2021) |
| Tax Bill | $3,380 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone D (undetermined) |
| APN | 42-23-11-184-001 |
| Primary APN | 42-23-11-184-001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,380 sqft Living Area |
| Gross Area | 1,462 sqft |
| Year Built | Built 2008 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 12,838 sqft (0.294 acres) |
| Garage Type | Detached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 82 sqft |
| Deck Area | 150 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10004726704 |
|---|---|
| Old Parcel Number | 01059980001000 |
| Street Address | 28231 MORNINGSIDE DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33955-2959 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF3.5 |
| Legal Description | TGA 010 0223 0001 TROPICAL GULF ACRES UN 10 BLK223 LTS 1 & 2 334/1 956/904 1030/1718 TD2447/1449 CD |
| Legal Range | 23E |
| Legal Township | 42S |
| Legal Section | 11 |
| Legal Subdivision | TROPICAL GULF ACRES |
| Legal Block | 223 |
| Legal Lot Number | 1-2 2 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 3 |
| Census Block | 3232 |
| Census Tract | 10505 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 28231 MORNINGSIDE DR, PUNTA GORDA, FL 33955-2959 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2021 | Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK |
| Feb 1, 2017 | Special Warranty Deed, Transfer · VA Mortgage PHH HOME LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2021 · Amount on Record |
| Deed Sale | Jun 16, 2021 · Amount on Record |
| Prior Sale | Feb 1, 2017 · Amount on Record |
| Deed Document Number | 2959921 |
| Deed Book / Page | 4787 / 268 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jun 16, 2021 |
| Property Address | 28231 MORNINGSIDE DR, PUNTA GORDA, FL 33955-2959 |
| Document Number | 0047870268 |
| Book / Page | 4787 / 268 |
| Map Reference | MB 4 PG 76 |
| Instrument Date | Jun 15, 2021 |
| Instrument | 2959921 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 435 12TH ST W # W209, 435, BRADENTON, FL 34205-7820 |
| Name | Verified Name |
|---|---|
| Address | 28231 MORNINGSIDE DR, PUNTA GORDA, FL 33955-2959 |
| Document Number | 4787270 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 4787/270 |
| Name | CIVISTA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Feb 1, 2017 |
| Property Address | 28231 MORNINGSIDE DR, PUNTA GORDA, FL 33955-2959 |
| Document Number | 0041640675 |
| Book / Page | 4164 / 0675 |
| Map Reference | MB4 PG76A-76N |
| Instrument Date | Jan 20, 2017 |
| Instrument | 2496990 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 28231 MORNINGSIDE DR, PUNTA GORDA, FL 33955-2959 |
| Investor | Possibly a Property Investor |
| Document Number | 0002496991 |
|---|---|
| Date | Feb 1, 2017 |
| Instrument | 2496991 |
| Name | PHH HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2047 |
Source: Charlotte County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,380.00 (-20.47%) Homeowner's exemption | $264,062 (+4.29%) | $230,119 (+3.62%) Land $24,000 Building $206,119 |
| 2023 | $4,250.00 (+4.09%) Homeowner's exemption | $253,204 (+3%) | $222,078 (-9.66%) Land $20,000 Building $202,078 |
| 2022 | $4,083.00 Homeowner's exemption | $245,829 Land $14,450 Building $231,379 | $245,829 Land $14,450 Building $231,379 |
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 D undetermined · not studied |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2022) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 88% of the US · above 81% of Florida |
|---|---|
| Wildfire Likelihood | 1% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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