34271 Serene Dr, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 34271 Serene Dr, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 2003
Lot Size	1.9 acres (82,764 sqft)
Owner	Individual Name on File
Last Sale	$224,900 (Jan 2021)
Tax Bill	$3,716 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Mar 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`40-24-23-300-005`

Property Details

APN / Parcel Number

Primary APN	`40-24-23-300-005`
Alternative APN	`0073078-000000-4`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	3,144 sqft
Flooring	Covered

Exterior

Year Built	Built 2003
Exterior Material	Composition/Composite
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	82,764 sqft (1.9 acres)
Garage Type	Detached
Garage Area	1,152 sqft
Shed	1 Shed
Shed Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Old Parcel Number	00730780000004
Street Address	34271 SERENE DR
City	PUNTA GORDA
State	FL
Zip	33982-9526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	ZZZ 234024 P30 23-40-24 P-30 1.9 AC. M/L TH E 264FT OF TRACT 34 OF SHELL CRK HIGHLANDS DB36/3 TD873/1007 2
Legal Range	24E
Legal Township	40S
Legal Section	23
Legal Tract	34
Legal Lot Number	34
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1016
Census Tract	10100

Owner

34271 Serene Dr is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	34271 SERENE DR, PUNTA GORDA, FL 33982-9526
Occupancy	Owner Occupied
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
Dec 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAXTER CU
Mar 16, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAXTER CU
Jan 8, 2021	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2021 · Amount on File
Deed Sale	Jan 8, 2021 · Amount on File
Prior Sale	Feb 17, 2016 · Amount on File
Deed Document Number	2891077
Deed Book / Page	4689 / 1728
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	34271 SERENE DR, PUNTA GORDA, FL 33982-9526
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	UNKNOWN, MIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34271 SERENE DR, PUNTA GORDA, FL 33982-9526

Mortgage

Document Number	0003599900
Date	Dec 29, 2025
Instrument	3599900

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 31, 2045

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	34271 SERENE DR, PUNTA GORDA, FL 33982-9526
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34271 SERENE DR, PUNTA GORDA, FL 33982-9526

Mortgage

Document Number	0049451920
Date	Mar 16, 2022
Book Page	4945/1920
Instrument	3073353

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 30, 2042

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 8, 2021
Property Address	34271 SERENE DR, PUNTA GORDA, FL 33982-9526
Document Number	0046891728
Book / Page	4689 / 1728
Map Reference	MB 2 PG 44
Instrument Date	Jan 8, 2021
Instrument	2891077
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,574.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34271 SERENE DR, 34271, PUNTA GORDA, FL 33982-9526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34271 SERENE DR, PUNTA GORDA, FL 33982-9526

Mortgage

Document Number	0046891729
Date	Jan 8, 2021
Instrument	4689/1729

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 34271 Serene Dr was $3,716 with a homeowner's exemption.

Source: Charlotte County assessment roll, as of July 1, 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	$3,716.00 Homeowner's exemption	$286,382	$269,862 Land $41,800 Building $228,062
2023	$4,464.00 (+4.03%) Homeowner's exemption	$270,205 (+3%)	$264,649 (+0.88%) Land $39,900 Building $224,749
2022	$4,291.00 Homeowner's exemption	$262,335 Land $16,150 Building $246,185	$262,335 Land $16,150 Building $246,185

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

Flood

FEMA maps place 34271 Serene Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 518 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	870 units insured incl. 352 condo units
Nearby Flood Claims	11 (1995–2024)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 3 claims Hurricane Irma, Sep 2017 · 4 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 34271 Serene Dr is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 System	SHELL CREEK PARK private · serves 465 people · EPA ID FL6080256
Water Source	Groundwater
Last State Inspection	Mar 2026
Also Mapped Here	CHARLOTTE COUNTY UTILITIES
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jan 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
CenturyLink DSL	10 / 1

May also be available: T-Mobile, Xfinity.

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