28265 Morningside Dr, Punta Gorda, FL 33955 Property Records

Charlotte County property record for 28265 Morningside Dr, Punta Gorda, FL 33955

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 971 sqft · built 1985
Lot Size	0.312 acres (13,577 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Dec 2021)
Tax Bill	$3,777 (2025)
Deeds & Mortgages	Dec 2021 Sale
Flood Zone	Zone D (undetermined)
APN	`422311186001`

Property Details

APN / Parcel Number

Primary APN	`422311186001`
Alternative APNs	`01058540000004` `10004726724`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	971 sqft Living Area
Gross Area	1,972 sqft
1st Floor Area	971 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,577 sqft (0.312 acres)
Garage Type	Detached
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Pool Area	288 sqft
Porch	Enclosed Porch
Porch Area	1,001 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	01058540000004
Street Address	28265 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	TROP G A UN 10 BLK204 LT 22 342/80 628/1430 DC949/725 1229/1181 UNREC DC-CLK AFF4330/815-CLK PR2021-1150-CJK ODH4864/1976 4903/317
Legal Range	23E
Legal Township	42S
Legal Section	11
Legal Subdivision	TROP G A
Legal Tract	TGA
Legal Block	204
Legal Lot Number	22
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1042
Census Tract	10505

Owner

Source: Charlotte County records, as of July 27, 2026

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	28265 MORNINGSIDE DR, PUNTA GORDA, FL 33955-2959
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Deed Document Number	20213040668
Deed Book / Page	4903 / 317
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 30, 2021
Property Address	28265 MORNINGSIDE DR, PUNTA GORDA, FL 33955-2959
Document Number	0049030317
Book / Page	4903 / 317
Map Reference	MB 4 PG 76A-76N
Instrument Date	Dec 30, 2021
Instrument	3040668
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	BURNT STORE TITLE LLC, BURNT STORE T&E LLC

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 SHORES ST, 22, TAUNTON, MA 02780-3049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28265 MORNINGSIDE DR, PUNTA GORDA, FL 33955-2959

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	$3,777.00 (-3.48%)	$184,908 (-5.34%) Land $10,200 Building $174,708	$184,908 (+23.11%) Land $10,200 Building $174,708
2024	$3,913.00 (-2.61%)	$195,329 (+0.05%)	$150,195 (+0.97%) Land $11,000 Building $139,195
2023	$4,018.00 (+10.72%)	$195,238 (+1%)	$148,746 (-16.19%) Land $10,000 Building $138,746
2022	$3,629.00	$177,489 Land $7,225 Building $170,264	$177,489 Land $7,225 Building $170,264

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 D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 195 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	875 units insured incl. 680 condo units
Nearby Flood Claims	101 (2022–2025)
Claims Outside the SFHA	4 of 101
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 51 claims Hurricane Helene, Sep 2024 · 39 claims Hurricane Ian, Sep 2022 · 5 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	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.

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 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