3829 Bermuda Ct, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 3829 Bermuda Ct, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,305 sqft · built 1996
Lot Size	0.234 acres (10,197 sqft)
Owner	Trust Name on File
Tax Bill	$6,312 (2025)
Deeds & Mortgages	May 2023 Transfer
Flood Zone	Zone AE (high risk)
APN	`412223151001`

Property Details

APN / Parcel Number

Primary APN	`412223151001`
Alternative APNs	`00951540200002` `10004695960`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,305 sqft Living Area
Gross Area	3,401 sqft
1st Floor Area	2,305 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	10,197 sqft (0.234 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	664 sqft
Driveway	Concrete Driveway
Driveway Area	720 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	341 sqft
Porch	Raised Porch
Porch Area	432 sqft
Loading Dock	210 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00951540200002
Street Address	3829 BERMUDA CT
City	PUNTA GORDA
State	FL
Zip	33950-8123
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC12 BLK136 LT 6 439/872 565/565 755/991 882/1964 961/2075 972/460 3313/2157 3272108
Legal Range	22E
Legal Township	41S
Legal Section	23
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	136
Legal Lot Number	6
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	3
Census Block	3012
Census Tract	10405

Owner

3829 Bermuda Ct is owner-occupied and held in a trust since August 2008.

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

Owner of Record	Trust Name on File
Mailing Address	3829 BERMUDA CT, PUNTA GORDA, FL 33950-8123
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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 Transfer Date	Aug 4, 2008
Transfer Doc	0033132157
Record Updated	Jun 8, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	May 31, 2023
Property Address	3829 BERMUDA CT, PUNTA GORDA, FL 33950-8123
Document Number	0003272108
Map Reference	MB 8 PG 6A-6T
Instrument Date	May 31, 2023
Instrument	3272108
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3829 BERMUDA CT, PUNTA GORDA, FL 33950-8123

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	3829 BERMUDA CT, PUNTA GORDA, FL 33950-8123

Tax Assessment & Valuation

The 2025 property tax bill for 3829 Bermuda Ct was $6,312, down 14.3% from the year before.

Source: Charlotte County assessment roll, as of November 19, 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	$6,312.00 (-14.34%)	$420,828	$688,086 Land $340,000 Building $348,086
2024	$7,369.00 (+4.01%)
2023	$7,085.00 (+5.13%) Homeowner's exemption	$391,871 (+3.6%)	$770,966 (+7.89%) Land $400,000 Building $370,966
2022	$6,739.00 Homeowner's exemption	$378,236	$714,565 Land $294,100 Building $420,465

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

Flood

FEMA maps place 3829 Bermuda Ct 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 1,331 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2,225 units insured incl. 894 condo units
Nearby Flood Claims	127 (2004–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 50 claims Hurricane Helene, Sep 2024 · 33 claims Hurricane Ian, Oct 2022 · 17 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 3829 Bermuda Ct is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% 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 134 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