3492 Beacon Dr, Punta Gorda, FL 33980 Property Records

Charlotte County property record for 3492 Beacon Dr, Punta Gorda, FL 33980

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,153 sqft · built 2020
Lot Size	0.346 acres (15,067 sqft)
Owner	2 Individual Names on File
Last Sale	$291,000 (Jun 2021)
Tax Bill	$5,029 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`402223477005`

Property Details

APN / Parcel Number

Primary APN	`402223477005`
Alternative APNs	`00095790000002` `10004594544`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,153 sqft Living Area
Gross Area	2,790 sqft
1st Floor Area	2,153 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	15,067 sqft (0.346 acres)
Lot Dimensions	225 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Driveway	Driveway
Driveway Area	1 sqft
Porch	Enclosed/Screened Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00095790000002
Street Address	3492 BEACON DR
City	PUNTA GORDA
State	FL
Zip	33980-8550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PORT CHARLOTTE SEC13 BLK507 LT 6 122/403 AFF2528/48-49-FFB 2528/50 2587/80 4374/2187 4399/2123 4408/584 4534/2083 4789/1802
Legal Range	22E
Legal Township	40S
Legal Section	23
Legal Subdivision	PORT CHARLOTTE
Legal Tract	PCH
Legal Block	507
Legal Lot Number	6
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PORT CHARLOTTE
Census Block Group	2
Census Block	2092
Census Tract	20900

Owner

3492 Beacon Dr is owned and occupied by two individuals who bought it in June 2021.

Source: Charlotte County records, as of November 19, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3492 BEACON DR, PORT CHARLOTTE, FL 33980-8550
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 21, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 21, 2021	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Feb 21, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Nov 1, 2018	Grant Deed, Transfer MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2021 · Amount on File
Deed Sale	Jun 21, 2021 · Amount on File
Prior Sale	Feb 3, 2020 · Amount on File
Deed Document Number	20212961932
Deed Book / Page	4789 / 1802
Prior Transfer Date	Jul 20, 2004
Prior Transfer Doc	0025280048
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	3492 BEACON DR, PORT CHARLOTTE, FL 33980-8550
Transaction Type	Mortgage
Record Updated	Jan 27, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3492 BEACON DR, PORT CHARLOTTE, FL 33980-8550

Mortgage

Document Number	0003192620
Date	Dec 21, 2022
Instrument	3192620

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 21, 2021
Property Address	3492 BEACON DR, PORT CHARLOTTE, FL 33980-8550
Document Number	0047891802
Book / Page	4789 / 1802
Map Reference	MB 5 PG 2A-2G
Instrument Date	Jun 18, 2021
Instrument	2961932
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	SUNCOAST ONE TITLE AND CLOSINGS, SUNCOAST ONE TTL & CLOSINGS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,037.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1928 ALAMANDA WAY, 1928, RIVIERA BEACH, FL 33404-1869

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3492 BEACON DR, PORT CHARLOTTE, FL 33980-8550

Mortgage

Document Number	47891804
Date	Jun 21, 2021
Instrument	4789/1804

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 21, 2019
Property Address	3492 BEACON DR, PORT CHARLOTTE, FL 33980-8550
Document Number	0044080584
Book / Page	004408 / 000584
Instrument Date	Feb 15, 2019
Instrument	2685722
Transaction Type	Transfer
Record Updated	Mar 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$28.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623
Investor	Possibly a Property Investor

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 1, 2018
Property Address	3492 BEACON DR, PORT CHARLOTTE, FL 33980-8550
Document Number	0043742187
Book / Page	004374 / 002187
Instrument Date	Nov 1, 2018
Instrument	2658237
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Tax	$56.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3492 BEACON DR PORT CHARLOTTE FL 33980, PORT CHARLOTTE, FL 33980

Tax Assessment & Valuation

The 2025 property tax bill for 3492 Beacon Dr was $5,029, down 15% from the year before.

Source: Charlotte County assessment roll, as of November 19, 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	$5,029.00 (-15.02%)	$333,396 Land $18,700 Building $314,696	$333,396 Land $18,700 Building $314,696
2024	$5,918.00 (+0.22%)
2023	$5,905.00 (+11.31%)	$318,353 (+1%)	$365,146 (+26.17%) Land $22,000 Building $343,146
2022	$5,305.00	$289,412 Land $13,175 Building $276,237	$289,412 Land $13,175 Building $276,237

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

Flood

FEMA maps place 3492 Beacon 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 194 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	194 in force
Nearby Flood Claims	35 (1992–2023)
Claims Outside the SFHA	4 of 35
Most Recent Claim	Aug 2023 · Hurricane Idalia
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 9 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 3492 Beacon Dr 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 98% of the US · lower than 97.6% 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	CHARLOTTE COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 345 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 · Fiber in parts of the area	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: CenturyLink.

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