Charlotte County property record for 412 Monaco Dr, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,323 sqft · built 1991 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $709,900 (Sep 2021) |
| Tax Bill | $9,513 (2025) |
| Deeds & Mortgages | Oct 2021 Transfer Sep 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 412320307014 |
| Primary APN | 412320307014 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,323 sqft Living Area |
| Gross Area | 3,044 sqft |
| 1st Floor Area | 2,323 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Tile |
| Lot Area | 9,600 sqft (0.22 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 364 sqft |
|---|---|
| Porch | Raised Porch |
| Porch Area | 281 sqft |
| Loading Dock | 168 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00952601216502 |
|---|---|
| Street Address | 412 MONACO DR |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-7842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PUNTA GORDA ISLES SEC15 BLK262 LT23 570/816 993/1082 1006/1946 1112/1934 1751/1001 3151/2056 4832/1998 4857/1530 |
| Legal Range | 23E |
| Legal Township | 41S |
| Legal Section | 20 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 262 |
| Legal Lot Number | 23 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 10405 |
Source: Charlotte County records, as of November 19, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 412 MONACO DR, PUNTA GORDA, FL 33950-7842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Oct 13, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Sep 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2021 · Amount on Record |
| Deed Sale | Sep 1, 2021 · Amount on Record |
| Prior Sale | May 2, 2007 · Amount on Record |
| Deed Document Number | 20212992001 |
| Deed Book / Page | 4832 / 1998 |
| Last Transfer Date | Oct 11, 2021 |
| Transfer Doc | 0048571530 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Oct 13, 2021 |
| Property Address | 412 MONACO DR, PUNTA GORDA, FL 33950-7842 |
| Document Number | 0048571530 |
| Book / Page | 4857 / 1530 |
| Map Reference | MB 8 PG 20A-20Z5 |
| Instrument Date | Oct 11, 2021 |
| Instrument | 3009339 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 412 MONACO DR, PUNTA GORDA, FL 33950-7842 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Sep 1, 2021 |
| Property Address | 412 MONACO DR, PUNTA GORDA, FL 33950-7842 |
| Document Number | 0048321998 |
| Book / Page | 4832 / 1998 |
| Map Reference | MB 8 PG 20A-20Z5 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2992001 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Title Company | HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,969.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3959 SAN ROCCO DR UNIT 612, 3959, PUNTA GORDA, FL 33950-8946 |
| Name | Verified Name |
|---|---|
| Address | 412 MONACO DR, PUNTA GORDA, FL 33950-7842 |
| Document Number | 48322000 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 4832/2000 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
Source: Charlotte County assessment roll, as of November 19, 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 | $9,513.00 (-13.14%) Homeowner's exemption | $613,425 (-0.39%) Land $267,750 Building $345,675 | $613,425 (-1.7%) Land $267,750 Building $345,675 |
| 2024 | $10,952.00 (+1.31%) | ||
| 2023 | $10,810.00 (+3.56%) Homeowner's exemption | $615,799 (+3%) | $624,057 (+4.38%) Land $305,000 Building $319,057 |
| 2022 | $10,438.00 Homeowner's exemption | $597,863 Land $236,300 Building $361,563 | $597,863 Land $236,300 Building $361,563 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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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