28992 Gin Ln, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 28992 Gin Ln, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,818 sqft · built 2023
Lot Size	1.33 acres (58,343 sqft)
Owner	2 Company Names on Record
Last Sale	$710,000 (Aug 2026)
Tax Bill	$11,206 (2025)
Deeds & Mortgages	Aug 2026 Sale Nov 2020 Line of Credit + 4 more
Flood Zone	Zone AE (high risk)
APN	`402314227002`

Property Details

APN / Parcel Number

Primary APN	`402314227002`
Alternative APNs	`00709890003008` `10004615581`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,818 sqft Living Area
Gross Area	4,436 sqft
1st Floor Area	2,818 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Metal
Lot Area	58,343 sqft (1.33 acres)
Garage Type	Attached
Garage Area	749 sqft
Driveway	Driveway
Driveway Area	1,272 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00709890003008
Street Address	28992 GIN LN
City	PUNTA GORDA
State	FL
Zip	33982-8403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	THE ESTATES ON PEACE RIVER LT 2 4357/933
Legal Range	23E
Legal Township	40S
Legal Section	14
Legal Subdivision	THE ESTATES ON PEACE RIVER
Legal Tract	EPR
Legal Lot Number	2
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1059
Census Tract	10200

Owner

Source: Charlotte County records, as of September 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	6400 RIVERSIDE DR, PUNTA GORDA, FL 33982-1595
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer FLORIDA TITLE, FLORIDA FRONTIER TITLE ONE
Nov 23, 2020	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Nov 23, 2020	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Sep 1, 2019	Loan Modification, Mortgage JOHN J AHEARN
May 31, 2019	Grant Deed, Mortgage DM FUNDING LLC
Sep 12, 2018	Trustee's Deed, Transfer HUNTER CREEK ESTATES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Prior Sale	Sep 12, 2018 · Amount on Record
Deed Document Number	20263678032
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 27, 2026
Property Address	28992 GIN LN, PUNTA GORDA, FL 33982-8403
Document Number	0003678032
Instrument Date	Aug 21, 2026
Instrument	20263678032
Transaction Type	Transfer
Record Updated	Sep 4, 2026
Title Company	FLORIDA TITLE, FLORIDA FRONTIER TITLE ONE

Transaction

Amount	Amount Recorded
Tax	$501,970.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	6400 RIVERSIDE DR, PUNTA GORDA, FL 33982-1595

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	28992 GIN LN, PUNTA GORDA, FL 33982-8403
Document Number	0046710472
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6903 CONGRESS ST NEW PORT RICHEY FL 346532704, NEW PORT RICHEY, FL 34653-2704

Mortgage

Document Number	0046710472
Date	Dec 3, 2020
Book Page	004671/000472
Instrument	2878894

Lender

Name	MIDFLORIDA CU
Address	129 S KENTUCKY AVE # 500, LAKELAND, FL 33801-5058

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	28992 GIN LN, PUNTA GORDA, FL 33982-8403
Document Number	0046710495
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6903 CONGRESS ST NEW PORT RICHEY FL 346532704, NEW PORT RICHEY, FL 34653-2704

Mortgage

Document Number	0046710495
Date	Dec 3, 2020
Book Page	004671/000495
Instrument	2878895

Lender

Name	MIDFLORIDA CU
Address	129 S KENTUCKY AVE # 500, LAKELAND, FL 33801-5058

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHARLOTTE FL
Property Address	28992 GIN LN, PUNTA GORDA, FL 33982-8403
Document Number	0044841039
Instrument Date	Sep 1, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29000 GIN LN PUNTA GORDA FL 339828403, PUNTA GORDA, FL 33982-8403

Mortgage

Document Number	0044841039
Date	Sep 19, 2019
Book Page	004484/001039
Instrument	2745034

Lender

Name	JOHN J AHEARN
Address	1357 SE CONFERENCE CIR, STUART, FL 34997-7639

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Sep 18, 2020

May 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 31, 2019
Property Address	28992 GIN LN, PUNTA GORDA, FL 33982-8403
Document Number	0044441605
Book / Page	004444 / 001605
Instrument Date	May 31, 2019
Instrument	2714502
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7745 FAIRWAY WOODS DR SARASOTA FL 342382869, SARASOTA, FL 34238-2869

Mortgage

Document Number	44441605
Date	May 31, 2019
Book Page	004444/001605
Instrument	2714502

Lender

Name	DM FUNDING LLC
Address	14106 US HIGHWAY 19, HUDSON, FL 34667-1167

Agreement

Amount	Amount Recorded
Term	60 Months
Due	May 30, 2024

September 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 12, 2018
Property Address	28992 GIN LN, PUNTA GORDA, FL 33982-8403
Document Number	0043570933
Book / Page	004357 / 000933
Instrument Date	Sep 6, 2018
Instrument	2645015
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$17,150.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	232 TABOR ST PUNTA GORDA FL 339504037, PUNTA GORDA, FL 33950-4037
Investor	Possibly a Property Investor

Mortgage

Document Number	43570941
Date	Sep 12, 2018
Book Page	004357/000941
Instrument	2645017

Lender

Name	HUNTER CREEK ESTATES LLC
Address	3407 TORREY RD, FLINT, MI 48507-3253

Agreement

Amount	Amount Recorded

Mortgage

Document Number	43570958,
Date	Sep 12, 2018
Book Page	004357/000958
Instrument	2645018

Lender

Name	O'GRADY EILEEN T
Address	991 SW TRISTE WAY, STUART, FL 34997-7205

Agreement

Amount	Amount Recorded

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	$11,206.00 (+1.51%)	$929,858 (+3,516.3%) Land $127,500 Building $802,358	$929,858 (+1,139.81%) Land $127,500 Building $802,358
2024	$11,039.00 (+1,300.89%)
2023	$788.00 (+51.83%)	$25,713 (-5.47%)	$75,000 (+175.74%) Land $75,000
2022	$519.00	$27,200 Land $27,200	$27,200 Land $27,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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 Record 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

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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