415 Cooper St, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 415 Cooper St, Punta Gorda, FL 33950

Property Summary

Property Type	Commercial
Details	5 bd · 2 ba · 8,034 sqft · built 1973
Lot Size	1.08 acres (47,055 sqft)
Owner	Company Name on Record
Last Sale	$539,089 (May 2024)
Tax Bill	$9,175 (2025)
Deeds & Mortgages	May 2024 Line of Credit Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`412306434003`

Property Details

APN / Parcel Number

Primary APN	`412306434003`
Alternative APNs	`01075870000004` `10004701687`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	5 Units
Stories	1 Story
Building Area	8,034 sqft Gross Area
1st Floor Area	7,547 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1987
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Built-Up Asphalt
Lot Area	47,055 sqft (1.08 acres)
Garage Type	Detached
Garage Area	667 sqft
Driveway	Asphalt Driveway
Driveway Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	375 sqft
Deck Area	96 sqft
Canopy	112 sqft
Total Buildings	4 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	01075870000004
Street Address	415 COOPER ST
City	PUNTA GORDA
State	FL
Zip	33950-3900
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	NC
Legal Description	WOODS 2ND ADD P G BLK O LTS 7-11 377/34 PR87-863 3474/646 AFF4652/401 4652/402 5000/873 3408257 3408258 WAD 002 000O 0004 WOODS 2ND ADD BLK O LTS 4 5 6 159/323 DC938/926-GMD 3474/646 AFF4652/401 4652/402 5000/873 3408257 3408258 W
Legal Range	23E
Legal Township	41S
Legal Section	06
Legal Subdivision	WOODS 2ND ADD P G
Legal Tract	WAD
Legal Block	O
Legal Lot Number	7-11
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2075
Census Tract	10302

Owner

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	Company Name on Record
Mailing Address	13 PINE TREE RD, ANGEL FIRE, NM 87710-8204
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
May 21, 2024	Warranty Deed, Transfer · Line of Credit CADENCE BANK NA
Jun 10, 2022	Warranty Deed, Transfer · Commercial Mortgage RICHARD KEITH TEDESCO ETAL
Oct 27, 2020	Deed, Transfer · Stand-Alone First Mortgage CADENCE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2024 · Amount on Record
Deed Sale	May 21, 2024 · Amount on Record
Prior Sale	Jun 10, 2022 · Amount on Record
Deed Document Number	20243408257
Prior Transfer Date	Apr 19, 2010
Prior Transfer Doc	0034740646
Record Updated	Jun 8, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 21, 2024
Property Address	415 COOPER ST, PUNTA GORDA, FL 33950-3900
Document Number	0003408258
Map Reference	MB 1 PG 15
Instrument Date	Apr 16, 2024
Instrument	3408258
Transaction Type	Transfer
Record Updated	Dec 16, 2025
Title Company	MEMBERS TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	417 COOPER ST, PUNTA GORDA, FL 33950-3900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 PINE TREE RD, ANGEL FIRE, NM 87710-8204

Mortgage

Document Number	0003408260
Date	May 21, 2024
Instrument	3408260

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 10, 2022
Property Address	415 COOPER ST, PUNTA GORDA, FL 33950-3900
Document Number	0050000873
Book / Page	5000 / 873
Map Reference	MB 1 PG 15
Instrument Date	Jun 2, 2022
Instrument	3114355
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,923.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	417 COOPER ST, PUNTA GORDA, FL 33950-3900

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6314 W 10TH ST, GREELEY, CO 80634-9752

Mortgage

Document Number	0005000875
Date	Jun 10, 2022
Instrument	5000/875

Lender

Name	RICHARD KEITH TEDESCO ETAL
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 27, 2020
Property Address	415 COOPER ST, PUNTA GORDA, FL 33950-3900
Document Number	0046520402
Book / Page	4652 / 402
Map Reference	MB 1 PG 15
Instrument Date	Oct 23, 2020
Instrument	2866066
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 510487, PUNTA GORDA, FL 33951-0487

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 224, ANGEL FIRE, NM 87710-0224

Mortgage

Document Number	0004652403
Date	Oct 27, 2020
Instrument	4652/403

Lender

Name	CADENCE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$9,175.00 (-37.3%)	$552,146 (-27.22%) Land $279,977 Building $272,169	$552,146 (-38.39%) Land $279,977 Building $272,169
2024	$14,634.00 (+13.23%)
2023	$12,924.00 (+45.89%)	$758,665 (+43.07%)	$896,159 (+69%) Land $329,385 Building $566,774
2022	$8,859.00	$530,262 Land $159,987 Building $370,275	$530,262 Land $159,987 Building $370,275

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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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 125 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

May also be available: BridgeMAXX Suncoast Broadband, T-Mobile.

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