Charlotte County property record for 3840 Bermuda Ct, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,730 sqft · built 2018 |
| Lot Size | 0.233 acres (10,170 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $382,500 (Mar 2016) |
| Tax Bill | $13,263 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 41-22-23-151-003 |
| Primary APN | 41-22-23-151-003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,730 sqft Living Area |
| Gross Area | 3,803 sqft |
| Flooring | Covered |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Clay Tile |
| Lot Area | 10,170 sqft (0.233 acres) |
| Garage Area | 673 sqft |
| Driveway | Driveway |
| Driveway Area | 589 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 28 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 399 sqft |
| Loading Dock | 732 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004695962 |
|---|---|
| Old Parcel Number | 00951540300804 |
| Street Address | 3840 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 0008 PUNTA GORDA ISLES SEC12 BLK136 LT 8 376/1235 874/798 953/1733 3444/2035 4058/244 3446702 |
| Legal Range | 22E |
| Legal Township | 41S |
| Legal Section | 23 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 136 |
| Legal Lot Number | 8 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 10405 |
3840 Bermuda Ct is owner-occupied and held in a trust since September 2024.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3840 BERMUDA CT, PUNTA GORDA, FL 33950-8123 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2016 · Amount on File |
| Deed Sale | Mar 1, 2016 · Amount on File |
| Prior Sale | Mar 1, 2016 · Amount on File |
| Deed Document Number | 0040580244 |
| Deed Book / Page | 00405 / 000244 |
| Last Transfer Date | Sep 6, 2024 |
| Transfer Doc | 0003446702 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3840 Bermuda Ct was $13,263 with a homeowner's exemption.
Source: Charlotte County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Municipality | Punta Gorda City |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,263.00 Homeowner's exemption | $839,120 | $1,134,876 Land $425,000 Building $709,876 |
| 2023 | $13,897.00 (+3.48%) Homeowner's exemption | $791,719 (+3%) | $1,100,782 (+2.63%) Land $425,000 Building $675,782 |
| 2022 | $13,430.00 Homeowner's exemption | $768,659 | $1,072,554 Land $320,450 Building $752,104 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3840 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 |
|
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 risk around 3840 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.
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 |
| 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.
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 |
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