28522 Coco Palm Dr, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 28522 Coco Palm Dr, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,790 sqft · built 1994
Lot Size	0.675 acres (29,417 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Apr 2026)
Tax Bill	$5,941 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`402314276011`

Property Details

APN / Parcel Number

Primary APN	`402314276011`
Alternative APNs	`00886020000007` `10004615684`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,790 sqft Living Area
Gross Area	2,705 sqft
1st Floor Area	1,790 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	29,417 sqft (0.675 acres)
Lot Dimensions	116 ft deep x 160 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	504 sqft
Driveway	Driveway
Driveway Area	1 sqft
Pool Area	28 sqft
Porch	Enclosed/Screened Porch
Porch Area	411 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00886020000007
Street Address	28522 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 LTS 200 201 & TWO UNNUMB 10FT BOATSLIPS LTS IN BOAT DOCK B 150/411 752/1736 1305/1097& 98 E4634/2185 4757/2085 PSH 000 0000 0202 PALM SHORES LT 202 369/690 845/1373 PR18-683-GO DC4350/1453-GO OSA4355/1556 4360/732 E4634/2
Legal Range	23E
Legal Township	40S
Legal Section	14
Legal Subdivision	PALM SHORES
Legal Tract	PSH
Legal Lot Number	200
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1059
Census Tract	10200

Owner

28522 Coco Palm Dr is owned by two individuals who bought it in April 2026.

Source: Charlotte County records, as of May 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1286 DODGE RD, GETZVILLE, NY 14068-1308
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 27, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Apr 30, 2021	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS
Jun 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUNCOAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2026 · Amount on File
Deed Sale	Apr 27, 2026 · Amount on File
Prior Sale	Apr 30, 2021 · Amount on File
Deed Document Number	20263637708
Prior Transfer Date	Oct 18, 1993
Prior Transfer Doc	1305001098
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 27, 2026
Property Address	28522 COCO PALM DR, PUNTA GORDA, FL 33982-1113
Document Number	0003637708
Instrument Date	Apr 23, 2026
Instrument	2026.3637708
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300,475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1286 DODGE RD, GETZVILLE, NY 14068-1308

Mortgage

Document Number	0003637709,
Date	Apr 27, 2026
Instrument	2026..3637709

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 30, 2021
Property Address	28522 COCO PALM DR, PUNTA GORDA, FL 33982-1113
Document Number	0047572085
Book / Page	4757 / 2085
Map Reference	MB 4 PG 21A-21C
Instrument Date	Apr 30, 2021
Instrument	2938607
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28522 COCO PALM DR, 28522, PUNTA GORDA, FL 33982-1113

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28522 COCO PALM DR, PUNTA GORDA, FL 33982-1113

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	28522 COCO PALM DR, PUNTA GORDA, FL 33982-1113
Document Number	0043310300
Instrument Date	Jun 19, 2018
Transaction Type	Mortgage
Record Updated	Jul 23, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28522 COCO PALM DR PUNTA GORDA FL 339821113, PUNTA GORDA, FL 33982-1113

Mortgage

Document Number	0043310300
Date	Jun 26, 2018
Book Page	004331/000300
Instrument	2624853

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 28522 Coco Palm Dr was $5,941, down 12.3% from the year before.

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	$5,941.00 (-12.31%)	$393,875 Land $38,250 Building $355,625	$393,875 Land $38,250 Building $355,625
2024	$6,775.00 (+5.14%)
2023	$6,444.00 (+11.1%)	$330,348 (+1%)	$257,122 (-14.38%) Land $42,000 Building $215,122
2022	$5,800.00	$300,316 Land $28,050 Building $272,266	$300,316 Land $28,050 Building $272,266

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

Flood

FEMA maps place 28522 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 28522 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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