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2851 Deborah Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 2851 Deborah Dr, Punta Gorda, FL 33950

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,454 sqft · built 1984
Lot Size0.22 acres (9,600 sqft)
OwnerIndividual Name on File
Last Sale$989,000 (Nov 2023)
Tax Bill$10,609 (2025)
Deeds & MortgagesNov 2023 Sale & Mortgage
Jan 2021 Sale
Flood ZoneZone AE (high risk)
APN41-22-14-355-003

Property Details

APN / Parcel Number

Primary APN41-22-14-355-003
Alternative APNs
  • 0095133-000000-0
  • 10004695273

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area2,454 sqft Living Area
Gross Area3,360 sqft

Exterior

Year BuiltBuilt 1984
Architectural StyleOther
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Foundation TypeSlab (Mat/Raft)
Roof MaterialCeramic Tile
Lot Area9,600 sqft (0.22 acres)
Garage TypeFinished
Garage Area506 sqft
DrivewayDriveway
Driveway Area1 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area38 sqft
PorchPorch
Porch Area400 sqft
Loading Dock210 sqft
Lawn SprinklersLawn Sprinklers

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number10004695273
Old Parcel Number00951330000000
Street Address2851 DEBORAH DR
CityPUNTA GORDA
StateFL
Zip33950-8131
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeGS-3.5
Legal DescriptionPGI 012 0132 0010 PUNTA GORDA ISLES SEC12 BLK132 LT10 342/846 722/1332 743/658 750/1489 937/632 1382/85 3943/4
Legal Range22E
Legal Township41S
Legal Section14
Legal SubdivisionPUNTA GORDA ISLES
Legal Block132
Legal Lot Number10
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group1
Census Block1000
Census Tract10405

Owner

2851 Deborah Dr is owned and occupied by an individual who bought it in November 2023.

Source: Charlotte County records, as of December 10, 2025

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address2851 DEBORAH DR, PUNTA GORDA, FL 33950-8131
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 22, 2023Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 12, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 22, 2023 · Amount on File
Deed SaleNov 22, 2023 · Amount on File
Prior SaleJan 12, 2021 · Amount on File
Deed Document Number3341134
Record UpdatedJun 8, 2026

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateNov 22, 2023
Property Address2851 DEBORAH DR, PUNTA GORDA, FL 33950-8131
Document Number0003341134
Map ReferenceMB 8 PG 6A
Instrument DateNov 14, 2023
Instrument3341134
Transaction TypeTransfer
Record UpdatedDec 11, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$6,923.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3321 DIAMOND KEY CT, PUNTA GORDA, FL 33955-4656

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1285 OAKWOOD LN, ANOKA, MN 55303-2746

Mortgage

Document Number0003341135
DateNov 22, 2023
Instrument3341135
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2053

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateJan 12, 2021
Property Address2851 DEBORAH DR, PUNTA GORDA, FL 33950-8131
Document Number0046910631
Book / Page4691 / 631
Map ReferenceMB 8 PG 6A
Instrument DateJan 8, 2021
Instrument2892122
Transaction TypeTransfer
Record UpdatedFeb 7, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$5,775.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9100 BALTIMORE ST NE, 9100, BLAINE, MN 55449-4371

Transferred To (Grantee/Buyer)

NameVerified Name
Address1698 ERROL CT, FOLSOM, CA 95630-6287

Tax Assessment & Valuation

The 2025 property tax bill for 2851 Deborah Dr was $10,609 with a homeowner's exemption.

Source: Charlotte County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCharlotte County
MunicipalityPunta Gorda City
Unified School DistrictCharlotte County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$10,609.00 Homeowner's exemption$679,419$773,956 Land $425,000 Building $348,956
2023$14,310.00 (+6.94%)$775,461 (+6.91%)$765,073 (+5.47%) Land $425,000 Building $340,073
2022$13,381.00$725,368 Land $320,450 Building $404,918$725,368 Land $320,450 Building $404,918

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

Flood

FEMA maps place 2851 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 379 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies460 units insured
incl. 81 condo units
Nearby Flood Claims21 (1992–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 13 claims
  • Hurricane Helene, Sep 2024 · 2 claims
  • Hurricane Ian, Sep 2022 · 3 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 2851 Deborah Dr is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire RiskModerate
above 52% of the US · lower than 77% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemCITY OF PUNTA GORDA
serves 36,302 people · EPA ID FL6080051
Water SourceSurface water
Last State InspectionDec 2023
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 43 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Ripple Fiber
Fiber		2,000 / 2,000
Xfinity
Cable		2,000 / 250

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