3432 Sounding Dr, Punta Gorda, FL 33983 Property Records

Charlotte County property record for 3432 Sounding Dr, Punta Gorda, FL 33983

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,969 sqft · built 2003
Lot Size	0.229 acres (9,999 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Mar 2021)
Tax Bill	$4,523 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`40-23-22-358-003`

Property Details

APN / Parcel Number

Primary APN	`40-23-22-358-003`
Alternative APNs	`0083942-000000-7` `10004622361`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,969 sqft Living Area
Gross Area	2,876 sqft

Exterior

Year Built	Built 2003
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	9,999 sqft (0.229 acres)
Garage Area	420 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	487 sqft
Loading Dock	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004622361
Old Parcel Number	00839420000007
Street Address	3432 SOUNDING DR
City	PUNTA GORDA
State	FL
Zip	33983-3593
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	HBH 004 0094 0018 HARBOUR HEIGHTS SEC 4 REV PART 4 BLK 94 LTS18 &19 119/623 DC538/1712 PRO76-301 594/508 612/14
Legal Range	23E
Legal Township	40S
Legal Section	22
Legal Subdivision	HARBOUR HEIGHTS
Legal Block	94
Legal Lot Number	18 19
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	1
Census Block	1055
Census Tract	21001

Owner

3432 Sounding Dr is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3432 SOUNDING DR, PUNTA GORDA, FL 33983-3593
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2021 · Amount on File
Deed Sale	Mar 25, 2021 · Amount on File
Prior Sale	Jul 3, 2000 · Amount on File
Deed Document Number	2921619
Deed Book / Page	4733 / 1950
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 25, 2021
Property Address	3432 SOUNDING DR, PUNTA GORDA, FL 33983-3593
Document Number	0047331950
Book / Page	4733 / 1950
Map Reference	MB 3 PG 79A&79B
Instrument Date	Mar 20, 2021
Instrument	2921619
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	530 SNOWY LN, SODDY DAISY, TN 37379-2844

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3432 SOUNDING DR, PUNTA GORDA, FL 33983-3593

Mortgage

Document Number	0047331952
Date	Mar 25, 2021
Instrument	4733/1952

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3432 Sounding Dr was $4,523 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	$4,523.00 Homeowner's exemption	$339,848	$356,950 Land $88,000 Building $268,950
2023	$5,666.00 (+4.12%) Homeowner's exemption	$321,441 (+3%)	$364,328 (+16.74%) Land $110,000 Building $254,328
2022	$5,442.00 Homeowner's exemption	$312,079 Land $68,000 Building $244,079	$312,079 Land $68,000 Building $244,079

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

Flood

FEMA maps place 3432 Sounding 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 375 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	375 in force
Nearby Flood Claims	161 (1982–2025)
Claims Outside the SFHA	7 of 161
Most Recent Claim	Feb 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 74 claims Hurricane Helene, Sep 2024 · 32 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 19 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 3432 Sounding Dr is low, with 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	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	CHARLOTTE HARBOR WATER ASSN. private · serves 4,722 people · EPA ID FL6080044
Water Source	Purchased surface water from CHARLOTTE COUNTY UTILITIES
Last State Inspection	May 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 123 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
T-Mobile Fixed Wireless	100 / 20