3830 Bermuda Ct, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 3830 Bermuda Ct, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,588 sqft · built 2007
Lot Size	0.234 acres (10,197 sqft)
Owner	Trust Name on File
Last Sale	$1,190,000 (May 2024)
Tax Bill	$15,366 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`41-22-23-152-002`

Property Details

APN / Parcel Number

Primary APN	`41-22-23-152-002`
Alternative APNs	`0095154-031000-9` `10004695964`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,588 sqft Living Area
Gross Area	3,468 sqft
Flooring	Covered

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Clay Tile
Lot Area	10,197 sqft (0.234 acres)
Garage Area	574 sqft
Driveway	Driveway
Driveway Area	3,000 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	28 sqft
Porch	Porch
Porch Area	306 sqft
Loading Dock	864 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004695964
Old Parcel Number	00951540310009
Street Address	3830 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	PGI 012 0136 0010 PUNTA GORDA ISLES SEC12 BLK136 LT10 551/1024 756/2000 1187/780AFF1227/1970 1311/1588 2554/60 3404
Legal Range	22E
Legal Township	41S
Legal Section	23
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	136
Legal Lot Number	10
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	3
Census Block	3012
Census Tract	10405

Owner

3830 Bermuda Ct is held in a trust since May 2024.

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

Owner of Record	Trust Name on File
Co-owner	2 Co-owners on File
Mailing Address	1045 EVENTIDE DR UNIT 419, 419, SHILOH, IL 62269-2360
Owner Type	Company, Secondary Individual
Vesting	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	3 Names on Deed
Last Sale	May 10, 2024 · Amount on File
Deed Sale	May 10, 2024 · Amount on File
Prior Sale	Sep 29, 2004 · Amount on File
Deed Document Number	3404073
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	3830 BERMUDA CT, PUNTA GORDA, FL 33950-8123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3830 BERMUDA CT, PUNTA GORDA, FL 33950-8123

Mortgage

Document Number	0046611997
Date	Nov 16, 2020
Book Page	4661/1997
Instrument	2872708

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3830 Bermuda Ct was $15,366.

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	$15,366.00	$924,641	$977,513 Land $400,000 Building $577,513
2023	$9,078.00 (+4.07%) Homeowner's exemption	$508,840 (+3%)	$862,951 (-1.53%) Land $400,000 Building $462,951
2022	$8,723.00 Homeowner's exemption	$494,019	$876,377 Land $294,100 Building $582,277

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3830 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 3830 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