411 E Grace St, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 411 E Grace St, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1961
Lot Size	0.337 acres (14,700 sqft)
Owner	2 Company Names on Record
Last Sale	$89,900 (Mar 2017)
Tax Bill	$846 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2017 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`412307288002`

Property Details

APN / Parcel Number

Primary APN	`412307288002`
Alternative APNs	`00924740000004` `10004702439`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	1,818 sqft
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,700 sqft (0.337 acres)
Lot Dimensions	140 ft deep x 105 ft wide
Driveway	Driveway
Driveway Area	1 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	410 sqft
Deck Area	Deck Area
Patio Area	288 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00924740000004
Street Address	411 E GRACE ST
City	PUNTA GORDA
State	FL
Zip	33950-6118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-10
Legal Description	PUNTA GORDA BLK 139 105 FT ON GRACE ST X 140 FT LYING 105 FT E E FROM NARRANJA AVE AKA P 2 SUB 76/57 L/E1212/2110 DC1721/30-MB 1811/2089 CT4118/532 4173/697 FJ4276/2128 4230/656
Legal Range	23E
Legal Township	41S
Legal Section	07
Legal Subdivision	PUNTA GORDA
Legal Block	139
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2122
Census Tract	10302

Owner

Source: Charlotte County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	411 E GRACE ST, PUNTA GORDA, FL 33950-6118
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Aug 17, 2017	Quit Claim Deed, Transfer Quitclaim
Mar 3, 2017	Special Warranty Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2017 · Amount on Record
Deed Sale	Mar 3, 2017 · Amount on Record
Prior Sale	Aug 1, 2016
Deed Document Number	20172504201
Deed Book / Page	4173 / 697
Last Transfer Date	Aug 16, 2017
Transfer Doc	0042300656
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	411 E GRACE ST, PUNTA GORDA, FL 33950-6118
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045662174
Date	Apr 22, 2020
Book Page	4566/2174
Instrument	2806058

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 17, 2017
Property Address	411 E GRACE ST, PUNTA GORDA, FL 33950-6118
Document Number	0042300656
Book / Page	004230 / 000656
Instrument Date	Aug 16, 2017
Instrument	2546403
Transaction Type	Transfer
Record Updated	Aug 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 GRACE ST PUNTA PUNTA GORDA FL 33950, PUNTA GORDA, FL 33950

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 3, 2017
Property Address	411 E GRACE ST, PUNTA GORDA, FL 33950-6118
Document Number	0041730697
Book / Page	4173 / 0697
Map Reference	MB1 PG26
Instrument Date	Feb 28, 2017
Instrument	2504201
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$629.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	411 E GRACE ST, PUNTA GORDA, FL 33950-6118

Mortgage

Document Number	2504202
Date	Mar 3, 2017
Instrument	2504202

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

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	$846.00 (+3.68%)		$156,301 (-4.02%) Land $37,853 Building $118,448
2024	$816.00 (+3.68%)
2023		$86,754 (+3%)	$162,842 (-10.99%) Land $43,260 Building $119,582
2022	$787.00 Homeowner's exemption	$84,227	$182,938 (+45.68%) Land $27,578 Building $155,360
2021			$125,571 Land $18,386 Building $107,185

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

Flood

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 Record median of 335 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	734 units insured incl. 399 condo units
Nearby Flood Claims	335 (1983–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 145 claims Hurricane Helene, Sep 2024 · 112 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 12 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 201 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

May also be available: AT&T, CenturyLink.

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