28474 Coco Palm Dr, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 28474 Coco Palm Dr, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,002 sqft · built 1988
Lot Size	0.213 acres (9,260 sqft)
Owner	Individual Name on File
Last Sale	$98,600 (Jan 2018)
Tax Bill	$1,377 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2018 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`402314276007`

Property Details

APN / Parcel Number

Primary APN	`402314276007`
Alternative APNs	`00885980000003` `10004615680`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,002 sqft Living Area
Gross Area	1,520 sqft
1st Floor Area	1,002 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,260 sqft (0.213 acres)
Lot Dimensions	116 ft deep x 80 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	338 sqft
Driveway	Driveway
Driveway Area	1 sqft
Porch	Enclosed/Screened Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00885980000003
Street Address	28474 COCO PALM DR
City	PUNTA GORDA
State	FL
Zip	33982-1113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF5
Legal Description	PALM SHORES LT 194 346/826 937/577 CT1387/1775 1409/445 UNREC DC 2958/1191 4241/704 4274/1986
Legal Range	23E
Legal Township	40S
Legal Section	14
Legal Subdivision	PALM SHORES
Legal Tract	PSH
Legal Lot Number	194
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1059
Census Tract	10200

Owner

28474 Coco Palm Dr is owned and occupied by an individual who bought it in January 2018.

Source: Charlotte County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	28474 COCO PALM DR, PUNTA GORDA, FL 33982-1113
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Jan 22, 2018	Grant Deed, Transfer BUYERS TITLE
Sep 29, 2017	Deed in Lieu of Foreclosure, Foreclosure OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2018 · Amount on File
Deed Sale	Jan 22, 2018 · Amount on File
Prior Sale	Sep 29, 2017
Deed Document Number	20182581077
Deed Book / Page	4274 / 1986
Prior Transfer Date	Sep 5, 2017
Prior Transfer Doc	0042410704
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	28474 COCO PALM DR, PUNTA GORDA, FL 33982-1113
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28474 COCO PALM DR, PUNTA GORDA, FL 33982-1113

Mortgage

Document Number	0048441751
Date	Sep 21, 2021
Book Page	4844/1751
Instrument	2999966

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Aug 16, 2031

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 22, 2018
Property Address	28474 COCO PALM DR, PUNTA GORDA, FL 33982-1113
Document Number	0042741986
Book / Page	004274 / 001986
Instrument Date	Jan 9, 2018
Instrument	2581077
Transaction Type	Transfer
Record Updated	Feb 9, 2018
Title Company	BUYERS TITLE

Transaction

Amount	Amount on Record
Tax	$690.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28474 COCO PALM DR PUNTA GORDA FL 339821113, PUNTA GORDA, FL 33982-1113

September 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 29, 2017
Property Address	28474 COCO PALM DR, PUNTA GORDA, FL 33982-1113
Document Number	0042410704
Book / Page	004241 / 000704
Instrument Date	Aug 25, 2017
Instrument	2555204
Transaction Type	Foreclosure
Record Updated	Oct 30, 2017
Title Company	OTHER

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	824 N MARKET ST #220 WILMINGTON DE 198013024, 220, WILMINGTON, DE 19801-3024
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 28474 Coco Palm Dr was $1,377 with a homeowner's exemption.

Source: Charlotte County assessment roll, as of March 4, 2026

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	$1,377.00 Homeowner's exemption	$87,176	$139,978 Land $12,750 Building $127,228
2023		$82,251 (+3%)	$126,104 (-9.23%) Land $14,000 Building $112,104
2022	$671.00 Homeowner's exemption	$79,855	$138,928 Land $9,350 Building $129,578

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 28474 Coco Palm 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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 126 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	68 (1982–2024)
Claims Outside the SFHA	4 of 68
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 29 claims Hurricane Helene, Sep 2024 · 14 claims Hurricane Ian, Sep 2022 · 7 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

Wildfire risk around 28474 Coco Palm Dr is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: BridgeMAXX Suncoast Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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