345 Trieste Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 345 Trieste Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,232 sqft · built 2024
Lot Size	0.223 acres (9,752 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Dec 2021)
Tax Bill	$13,400 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jan 2022 Construction Loan + 2 more
Flood Zone	Zone AE (high risk)
APN	`41-23-29-258-002`

Property Details

APN / Parcel Number

Primary APN	`41-23-29-258-002`
Alternative APNs	`0095260-185100-3` `10004711611`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,232 sqft Living Area
Gross Area	3,288 sqft
Flooring	Covered

Exterior

Year Built	Built 2024
Foundation Type	Slab (Mat/Raft)
Lot Area	9,752 sqft (0.223 acres)
Driveway	Driveway
Driveway Area	1,270 sqft
Pool Area	80 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004711611
Old Parcel Number	00952601851003
Street Address	345 TRIESTE DR
City	PUNTA GORDA
State	FL
Zip	33950-8050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PGI 015 0281 0036 PUNTA GORDA ISLES SEC15 BLK281 LT36 837/1662-73 987/114 1010/73 1943/1751 2505/1493 4897/217
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	281
Legal Lot Number	36
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2020
Census Tract	10405

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	345 TRIESTE DR, PUNTA GORDA, FL 33950-8050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Jan 28, 2022	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Sep 20, 2024	Deed of Trust, Mortgage · Line of Credit LAKE MICHIGAN CU
Dec 21, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2021 · Amount on Record
Deed Sale	Dec 21, 2021 · Amount on Record
Prior Sale	Jul 8, 2004 · Amount on Record
Deed Document Number	3037311
Deed Book / Page	4897 / 2179
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	345 TRIESTE DR, PUNTA GORDA, FL 33950-8050
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003370829
Date	Feb 16, 2024
Instrument	3370829

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49512

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	345 TRIESTE DR, PUNTA GORDA, FL 33950-8050
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8209 BIBIANA WAY 403, 403, FORT MYERS, FL 33912-9025

Mortgage

Document Number	0049180110
Date	Jan 28, 2022
Book Page	4918/110
Instrument	3052000

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Feb 1, 2053

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	345 TRIESTE DR, PUNTA GORDA, FL 33950-8050
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3141 AMADORA CIR, CAPE CORAL, FL 33909-5334

Mortgage

Document Number	0003451620
Date	Sep 20, 2024
Instrument	3451620

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49512

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 21, 2021
Property Address	345 TRIESTE DR, PUNTA GORDA, FL 33950-8050
Document Number	0048972179
Book / Page	4897 / 2179
Map Reference	MB 8 PG 20-A-20-Z-5
Instrument Date	Dec 21, 2021
Instrument	3037311
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	142 NEWPORT DR APT 1408, 1408, NAPLES, FL 34114-9656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8209 BIBIANA WAY APT 403, 403, FORT MYERS, FL 33912-9025

Mortgage

Document Number	0048972181
Date	Dec 21, 2021
Instrument	4897/2181

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	5.12%
Index	1-Year CMT
Max Rate	8.12%

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 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	$13,400.00 (+146.96%) Homeowner's exemption	$847,336 (+226.84%)	$887,252 (+190.9%) Land $315,000 Building $572,252
2023	$5,426.00 (+4.97%)	$259,250 (+9.71%)	$305,000 (+29.07%) Land $305,000
2022	$5,169.00	$236,300 Land $236,300	$236,300 Land $236,300

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 823 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,051 units insured incl. 228 condo units
Nearby Flood Claims	19 (2004–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Helene, Oct 2024 · 6 claims Hurricane Ian, Sep 2022 · 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

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.09% 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	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 522 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ethx Fixed Wireless	500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: BridgeMAXX Suncoast Broadband, Ripple Fiber.

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