3311 Areca St, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 3311 Areca St, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,620 sqft · built 2006
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on File
Last Sale	$142,000 (Feb 2020)
Tax Bill	$3,432 (2025)
Deeds & Mortgages	Feb 2020 Sale Oct 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`412318426001`

Property Details

APN / Parcel Number

Primary APN	`412318426001`
Alternative APNs	`00756030000003` `10004706417`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,620 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Modular
Exterior Material	Frame/Metal
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Porch
Porch Area	200 sqft
Deck Area	80 sqft
Patio Area	368 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00756030000003
Street Address	3311 ARECA ST
City	PUNTA GORDA
State	FL
Zip	33950-7503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	AQUI ESTA UN 2 BLK C LOT 4 388/28 568/651 3346/960 UNREC POA-AAS DC3589/151-VDS 4005/390 4247/1079 4544/837
Legal Range	23E
Legal Township	41S
Legal Section	18
Legal Subdivision	AQUI ESTA
Legal Tract	AQE
Legal Block	C
Legal Lot Number	4
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2026
Census Tract	10301

Owner

3311 Areca St is owned by two individuals who bought it in February 2020.

Source: Charlotte County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	43486 VIRTS HOLLOW LN, CENTREVILLE, VA 20120-4921
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
Feb 27, 2020	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS
Oct 20, 2017	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2020 · Amount on File
Deed Sale	Feb 27, 2020 · Amount on File
Prior Sale	Oct 20, 2017 · Amount on File
Deed Document Number	20202790277
Deed Book / Page	4544 / 837
Prior Transfer Date	Dec 18, 2008
Prior Transfer Doc	0033460960
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 27, 2020
Property Address	3311 ARECA ST, PUNTA GORDA, FL 33950-7503
Document Number	0045440837
Book / Page	004544 / 000837
Instrument Date	Feb 27, 2020
Instrument	2790277
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
Tax	$994.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43486 VIRTS HOLLOW LN CENTREVILLE VA 201204921, CENTREVILLE, VA 20120-4921

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 20, 2017
Property Address	3311 ARECA ST, PUNTA GORDA, FL 33950-7503
Document Number	0042471079
Book / Page	004247 / 001079
Instrument Date	Oct 19, 2017
Instrument	2559814
Transaction Type	Transfer
Record Updated	Feb 20, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$893.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3311 ARECA ST PUNTA GORDA FL 339507503, PUNTA GORDA, FL 33950-7503

Mortgage

Document Number	42471081
Date	Oct 20, 2017
Book Page	004247/001081
Instrument	2559815

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3311 Areca St was $3,432, down 11.7% 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	$3,432.00 (-11.66%)	$183,386 Land $20,196 Building $163,190	$183,386 Land $20,196 Building $163,190
2024	$3,885.00 (+3.05%)
2023	$3,770.00 (+8.18%)	$179,165 (-6.01%)	$203,015 (+6.5%) Land $23,760 Building $179,255
2022	$3,485.00	$190,631 Land $19,186 Building $171,445	$190,631 Land $19,186 Building $171,445

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

Flood

FEMA maps place 3311 Areca St 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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 220 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	462 units insured incl. 242 condo units
Nearby Flood Claims	220 (1978–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 66 claims Hurricane Helene, Oct 2024 · 98 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 18 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 3311 Areca St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 124 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
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

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