40 Ocean Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 40 Ocean Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,644 sqft · built 1987
Lot Size	0.234 acres (10,199 sqft)
Owner	2 Individual Names on File
Last Sale	$468,000 (Oct 2018)
Tax Bill	$5,980 (2025)
Deeds & Mortgages	Aug 2022 Sale Nov 2018 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`412211179009`

Property Details

APN / Parcel Number

Primary APN	`412211179009`
Alternative APNs	`00929980000001` `10004690118`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,644 sqft Living Area
Gross Area	3,249 sqft
1st Floor Area	2,644 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	10,199 sqft (0.234 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	436 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	26 sqft
Porch	Enclosed/Screened Porch
Porch Area	169 sqft
Loading Dock	399 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00929980000001
Street Address	40 OCEAN DR
City	PUNTA GORDA
State	FL
Zip	33950-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC4 BLK11 LT 11 83/15 495/966 530/63 879/1404-05 634/1454 1252/166 DC3267/2138-SSM 3267/2142 3373/498 4368/1352 4383/1401 5031/2137
Legal Range	22E
Legal Township	41S
Legal Section	11
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	11
Legal Lot Number	11
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2001
Census Tract	10401

Owner

40 Ocean Dr is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 OCEAN DR, PUNTA GORDA, FL 33950-5004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 9, 2022	Warranty Deed, Transfer
Nov 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 15, 2018	Warranty Deed, Transfer · ARM POWER FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018 · Amount on File
Deed Sale	Oct 15, 2018 · Amount on File
Prior Sale	Apr 6, 2009 · Amount on File
Deed Document Number	20182653561
Deed Book / Page	4368 / 1352
Prior Transfer Date	Mar 10, 2008
Prior Transfer Doc	0032672142
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 9, 2022
Property Address	40 OCEAN DR, PUNTA GORDA, FL 33950-5004
Document Number	0050312137
Book / Page	5031 / 2137
Map Reference	MB 5 PG 45A&45B
Instrument Date	Aug 7, 2022
Instrument	3137993
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 OCEAN DR, 40, PUNTA GORDA, FL 33950-5004

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	40 OCEAN DR, PUNTA GORDA, FL 33950-5004

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 29, 2018
Property Address	40 OCEAN DR, PUNTA GORDA, FL 33950-5004
Document Number	0043831401
Book / Page	004383 / 001401
Instrument Date	Nov 28, 2018
Instrument	2665278
Transaction Type	Transfer
Record Updated	Dec 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9248 NW 14TH CT CORAL SPRINGS FL 330716047, CORAL SPRINGS, FL 33071-6047

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 15, 2018
Property Address	40 OCEAN DR, PUNTA GORDA, FL 33950-5004
Document Number	0043681352
Book / Page	4368 / 1352
Map Reference	MB5 PG45A-45B
Instrument Date	Oct 15, 2018
Instrument	2653561
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	HOMETOWN TITLE & CLOSING SVC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,276.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1300 FAWN RIDGE DR, 1300, WEST LAFAYETTE, IN 47906-4756

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9248 NW 14TH CT, POMPANO BEACH, FL 33071-6047

Mortgage

Document Number	0002653562
Date	Oct 15, 2018
Instrument	2653562

Lender

Name	POWER FINANCIAL CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	1-Year LIBOR
Max Rate	10.8%

Tax Assessment & Valuation

The 2025 property tax bill for 40 Ocean Dr was $5,980, down 15.1% 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	$5,980.00 (-15.11%)	$400,885	$610,464 Land $372,300 Building $238,164
2024	$7,044.00 (+2.79%)
2023	$6,853.00 (-33.16%) Homeowner's exemption	$378,240 (-38.56%)	$714,644 (+16.09%) Land $438,000 Building $276,644
2022	$10,253.00	$615,603 Land $310,250 Building $305,353	$615,603 Land $310,250 Building $305,353

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

Flood

FEMA maps place 40 Ocean 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 436 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,147 units insured incl. 711 condo units
Nearby Flood Claims	242 (1982–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 140 claims Hurricane Helene, Sep 2024 · 43 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 19 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

The area around 40 Ocean Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 364 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
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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