321 Caicos Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 321 Caicos Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 1986
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Jul 2024)
Tax Bill	$9,087 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2020 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`412212408004`

Property Details

APN / Parcel Number

Primary APN	`412212408004`
Alternative APNs	`00950360026008` `10004691599`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,716 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	1,716 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	9,600 sqft (0.22 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	440 sqft
Driveway	Concrete Driveway
Driveway Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	338 sqft
Porch	Enclosed/Screened Porch
Porch Area	444 sqft
Loading Dock	210 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00950360026008
Street Address	321 CAICOS DR
City	PUNTA GORDA
State	FL
Zip	33950-5838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC11 BLK96 LT26 519/118 800/2085 820/1398 825/324 DC994-1215/17 3423/939 4180/867 PR23-720-MAK ODH3303874 3427180
Legal Range	22E
Legal Township	41S
Legal Section	12
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	96
Legal Lot Number	26
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1000
Census Tract	10402

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	29 LIBERTY AVE, HAMPDEN, ME 04444-1345
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage ACADIA FEDERAL CREDIT UNION
Jan 21, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 24, 2017	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2024 · Amount on Record
Deed Sale	Jul 12, 2024 · Amount on Record
Prior Sale	Mar 24, 2017 · Amount on Record
Deed Document Number	20243427180
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 22, 2026
Property Address	321 CAICOS DR, PUNTA GORDA, FL 33950-5838
Document Number	0003636152
Instrument Date	Apr 15, 2026
Instrument	20263636152
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CAICOS DR, PUNTA GORDA, FL 33950-5838

Mortgage

Document Number	0003636152,
Date	Apr 22, 2026
Instrument	20263636152

Lender

Name	ACADIA FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	321 CAICOS DR, PUNTA GORDA, FL 33950-5838
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045290489
Date	Jan 21, 2020
Book Page	4529/0489
Instrument	2778620

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 24, 2017
Property Address	321 CAICOS DR, PUNTA GORDA, FL 33950-5838
Document Number	0041800867
Book / Page	004180 / 000867
Instrument Date	Mar 24, 2017
Instrument	2510045
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Transaction

Amount	Amount Recorded
Tax	$2,639.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CAICOS DR PUNTA GORDA FL 339505838, PUNTA GORDA, FL 33950-5838

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Municipality	Punta Gorda City
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,087.00 (-13.99%)	$546,846 (+52.65%) Land $283,900 Building $262,946	$546,846 (+8.43%) Land $283,900 Building $262,946
2024	$10,565.00 (+64.38%)
2023	$6,427.00 (+4.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$358,245 (+3%)	$504,352 (-4.11%) Land $334,000 Building $170,352
2022	$6,132.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$347,811	$525,958 Land $236,300 Building $289,658

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

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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 490 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	789 units insured incl. 299 condo units
Nearby Flood Claims	103 (1986–2024)
Most Recent Claim	Nov 2024
Claims by Event	Hurricane Milton, Oct 2024 · 45 claims Hurricane Irma, Sep 2017 · 8 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 27 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	Not rated no burnable land within ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 192 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: CenturyLink.

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