Charlotte County property record for 2838 Deborah Dr, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,244 sqft · built 2024 |
| Lot Size | 0.239 acres (10,439 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (May 2021) |
| Tax Bill | $16,095 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage May 2021 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 41-22-14-356-006 |
| Primary APN | 41-22-14-356-006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,244 sqft Living Area |
| Gross Area | 3,605 sqft |
| Flooring | Covered |
| Year Built | Built 2024 |
|---|---|
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 10,439 sqft (0.239 acres) |
| Driveway | Driveway |
| Driveway Area | 880 sqft |
| Pool Area | 344 sqft |
| Loading Dock | 360 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004695283 |
|---|---|
| Old Parcel Number | 00951310020026 |
| Street Address | 2838 DEBORAH DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-8130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PGI 012 0132 0002 PUNTA GORDA ISLES SEC12 BLK132 LT2 748/1005 1388/1676 1773/1864 2508/91 DC4767/1608-FWG 4767/1 |
| Legal Range | 22E |
| Legal Township | 41S |
| Legal Section | 14 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 132 |
| Legal Lot Number | 2 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10405 |
2838 Deborah Dr is owned and occupied by an individual who bought it in May 2021.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2838 DEBORAH DR, PUNTA GORDA, FL 33950-8130 |
| 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 |
|---|---|
| Sep 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| May 17, 2021 | Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2021 · Amount on File |
| Deed Sale | May 17, 2021 · Amount on File |
| Prior Sale | Jul 10, 2004 · Amount on File |
| Deed Document Number | 2945783 |
| Deed Book / Page | 4767 / 1611 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 2838 DEBORAH DR, PUNTA GORDA, FL 33950 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2024 |
| Title Company | HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS |
| Name | Verified Name |
|---|---|
| Address | 14060 HERITAGE LANDING BLVD 326, 326, PUNTA GORDA, FL 33955-6264 |
| Document Number | 0050430815 |
|---|---|
| Date | Sep 2, 2022 |
| Book Page | 5043/815 |
| Instrument | 3147073 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | May 17, 2021 |
| Property Address | 2838 DEBORAH DR, PUNTA GORDA, FL 33950 |
| Document Number | 0047671611 |
| Book / Page | 4767 / 1611 |
| Map Reference | MB 8 PG 6A-6T |
| Instrument Date | May 17, 2021 |
| Instrument | 2945783 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Title Company | HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $2,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1115 GAYER WAY APT 201, 201, MARCO ISLAND, FL 34145-6839 |
| Name | Verified Name |
|---|---|
| Address | 535 NORTHWEST HWY APT 2405, 2405, IRVING, TX 75039-4353 |
The 2025 property tax bill for 2838 Deborah Dr was $16,095 with a homeowner's exemption.
Source: Charlotte County assessment roll, as of July 1, 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 | $16,095.00 Homeowner's exemption | $1,009,513 | $1,041,809 Land $425,000 Building $616,809 |
| 2023 | $7,450.00 (+11.38%) | $353,320 (+1%) | $425,882 (+32.59%) Land $425,000 Building $882 |
| 2022 | $6,689.00 | $321,200 Land $320,450 Building $750 | $321,200 Land $320,450 Building $750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2838 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 379 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 460 units insured incl. 81 condo units |
| Nearby Flood Claims | 21 (1992–2024) |
| 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 2838 Deborah Dr is low, with less than 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 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 134 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 |
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