3801 Palm Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 3801 Palm Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,327 sqft · built 1979
Lot Size	0.206 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Dec 2020)
Tax Bill	$2,992 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Dec 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`41-23-18-378-014`

Property Details

APN / Parcel Number

Primary APN	`41-23-18-378-014`
Alternative APNs	`0101286-000000-1` `10004706249`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,327 sqft Living Area
Gross Area	2,174 sqft

Exterior

Year Built	Built 1979
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces
Pool Area	253 sqft
Porch	Porch
Porch Area	385 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004706249
Old Parcel Number	01012860000001
Street Address	3801 PALM DR
City	PUNTA GORDA
State	FL
Zip	33950-2940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	TRC 000 000C 0011 TIERRA CORONADO BLK C LT 11 438/303 602/1050 817/300 DC1325/623 1351/339 1666/460 4679/1590
Legal Range	23E
Legal Township	41S
Legal Section	18
Legal Subdivision	TIERRA CORONADO
Legal Block	C
Legal Lot Number	11
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	3
Census Block	3008
Census Tract	10301

Owner

3801 Palm Dr is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3801 PALM DR, PUNTA GORDA, FL 33950-2940
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
Jul 7, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 18, 2020	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020 · Amount on File
Deed Sale	Dec 18, 2020 · Amount on File
Prior Sale	Dec 21, 1998 · Amount on File
Deed Document Number	2884621
Deed Book / Page	4679 / 1590
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	3801 PALM DR, PUNTA GORDA, FL 33950-2940
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 PALM DR, PUNTA GORDA, FL 33950-2940

Mortgage

Document Number	0050140297
Date	Jul 7, 2022
Book Page	5014/297
Instrument	3124670

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 18, 2020
Property Address	3801 PALM DR, PUNTA GORDA, FL 33950-2940
Document Number	0046791590
Book / Page	004679 / 001590
Instrument Date	Dec 18, 2020
Instrument	2884621
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
Tax	$1,155.00
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	7440 DEWBERRY LN WISCONSIN RAPIDS WI 544949029, WISCONSIN RAPIDS, WI 54494-9029

Tax Assessment & Valuation

The 2025 property tax bill for 3801 Palm Dr was $2,992 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	$2,992.00 Homeowner's exemption	$238,338	$227,966 Land $22,275 Building $205,691
2023	$3,909.00 (+2.76%) Homeowner's exemption	$239,408 (+2.29%)	$204,918 (-12.45%) Land $22,275 Building $182,643
2022	$3,804.00 Homeowner's exemption	$234,045 Land $17,987 Building $216,058	$234,045 Land $17,987 Building $216,058

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

Flood

FEMA maps place 3801 Palm 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	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 345 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	345 in force
Nearby Flood Claims	289 (1982–2025)
Most Recent Claim	Oct 2025
Claims by Event	Hurricane Milton, Oct 2024 · 101 claims Hurricane Helene, Sep 2024 · 106 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 31 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 3801 Palm 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 98% of the US · lower than 97.6% 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	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 407 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

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

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