413 Panarea Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 413 Panarea Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,179 sqft · built 2000
Lot Size	0.228 acres (9,942 sqft)
Owner	Trust Name on File
Last Sale	$518,000 (May 2018)
Tax Bill	$9,641 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2020 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`412329126004`

Property Details

APN / Parcel Number

Primary APN	`412329126004`
Alternative APNs	`00952601692104` `10004711265`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,179 sqft Living Area
Gross Area	2,803 sqft
1st Floor Area	2,179 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	9,942 sqft (0.228 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	399 sqft
Driveway	Concrete Driveway
Driveway Area	608 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	308 sqft
Porch	Raised Porch
Porch Area	225 sqft
Loading Dock	105 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601692104
Street Address	413 PANAREA DR
City	PUNTA GORDA
State	FL
Zip	33950-8036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC15 BLK277 LT11 675/420 889/1560 AFF1682/484 1682/486 2465/556 3460/414 4321/79 4628/1354
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	277
Legal Lot Number	11
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2020
Census Tract	10405

Owner

413 Panarea Dr is owner-occupied and held in a trust since June 2020.

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

Owner of Record	Trust Name on File
Mailing Address	413 PANAREA DR, PUNTA GORDA, FL 33950-8036
Occupancy	Owner Occupied
Owner Type	Company
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC
Sep 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 31, 2018	Warranty Deed, Transfer · Conventional Mortgage VAN DYK MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2018 · Amount on File
Deed Sale	May 31, 2018 · Amount on File
Prior Sale	Mar 1, 2010 · Amount on File
Deed Document Number	20182616797
Deed Book / Page	4321 / 79
Last Transfer Date	Jun 20, 2020
Transfer Doc	0046281354
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	413 PANAREA DR, PUNTA GORDA, FL 33950-8036
Transaction Type	Mortgage
Record Updated	Feb 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2756 COTTONWOOD DR, SPRINGFIELD, OH 45504-4108

Mortgage

Document Number	0049100009
Date	Jan 13, 2022
Book Page	4910/9
Instrument	3045798

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Sep 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 9, 2020
Property Address	413 PANAREA DR, PUNTA GORDA, FL 33950-8036
Document Number	0046281354
Book / Page	004628 / 001354
Instrument Date	Jun 20, 2020
Instrument	2849678
Transaction Type	Transfer
Record Updated	Oct 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2756 COTTONWOOD DR SPRINGFIELD OH 455044108, SPRINGFIELD, OH 45504-4108

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 31, 2018
Property Address	413 PANAREA DR, PUNTA GORDA, FL 33950-8036
Document Number	0043210079
Book / Page	4321 / 0079
Map Reference	MB8 PG20-A-20-Z-5
Instrument Date	May 30, 2018
Instrument	2616797
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	FIRST INTL TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,626.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12398 S LOST RD, 12398, GORDON, WI 54838-4417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2756 COTTONWOOD DR, SPRINGFIELD, OH 45504-4108

Mortgage

Document Number	0002616798
Date	May 31, 2018
Instrument	2616798

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 413 Panarea Dr was $9,641 with a homeowner's exemption, down 15.4% 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	$9,641.00 (-15.4%) Homeowner's exemption	$621,171 Land $267,750 Building $353,421	$621,171 Land $267,750 Building $353,421
2024	$11,396.00 (+12.52%)
2023	$10,128.00 (+8.6%)	$486,611 (-15.16%)	$616,876 (+7.55%) Land $305,000 Building $311,876
2022	$9,326.00	$573,593 Land $236,300 Building $337,293	$573,593 Land $236,300 Building $337,293

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

Flood

FEMA maps place 413 Panarea 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	Hurricane Milton, Oct 2024 · 6 claims Hurricane Helene, Oct 2024 · 6 claims Hurricane Ian, Sep 2022 · 4 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

Wildfire risk around 413 Panarea Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

Nearby Properties on Panarea Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures