Charlotte County property record for 389 Monaco Dr, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,154 sqft · built 2002 |
| Lot Size | 0.361 acres (15,751 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,836 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 41-23-20-326-001 |
| Primary APN | 41-23-20-326-001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,154 sqft Living Area |
| Gross Area | 2,927 sqft |
| Year Built | Built 2002 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Clay Tile |
| Lot Area | 15,751 sqft (0.361 acres) |
| Garage Type | Finished |
| Garage Area | 483 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 336 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 290 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10004708024 |
|---|---|
| Old Parcel Number | 00952602195104 |
| Street Address | 389 MONACO DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-7805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PGI 015 0293 0001 PUNTA GORDA ISLES SEC15 BLK293 LT 1 931/1310 L/E3579001 |
| Legal Range | 23E |
| Legal Township | 41S |
| Legal Section | 20 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 293 |
| Legal Lot Number | 1 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 10405 |
389 Monaco Dr is owned and occupied by two individuals who acquired it in October 2025.
Source: Charlotte County records, as of December 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 389 MONACO DR, PUNTA GORDA, FL 33950-7805 |
| 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.
| Deed Names | 3 Names on Deed |
|---|---|
| Last Transfer Date | Oct 17, 2025 |
| Transfer Doc | 0003579001 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Oct 17, 2025 |
| Property Address | 389 MONACO DR, PUNTA GORDA, FL 33950-7805 |
| Document Number | 0003579001 |
| Map Reference | MB 8 PG 20- |
| Instrument Date | Oct 16, 2025 |
| Instrument | 3579001 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 389 MONACO DR, PUNTA GORDA, FL 33950-7805 |
| Name | Verified Name |
|---|---|
| Address | 389 MONACO DR, PUNTA GORDA, FL 33950-7805 |
The 2025 property tax bill for 389 Monaco Dr was $3,836 with a homeowner's exemption, up 2.5% from the year before.
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 | $3,836.00 (+2.46%) Homeowner's exemption | $271,860 (+2.9%) | $450,320 (+2.11%) Land $115,000 Building $335,320 |
| 2024 | $3,744.00 Homeowner's exemption | $264,198 (+4.53%) | $441,021 (+1.74%) Land $115,000 Building $326,021 |
| 2023 | $252,756 (+3%) | $433,459 (+16.07%) Land $100,000 Building $333,459 | |
| 2022 | $3,615.00 Homeowner's exemption | $245,394 | $373,457 Land $76,500 Building $296,957 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 389 Monaco 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 823 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1,051 units insured incl. 228 condo units |
| Nearby Flood Claims | 19 (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 389 Monaco Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 254 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 |
| CenturyLink DSL | 140 / 20 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 100 / 20 |
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