423 E McKenzie St, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 423 E McKenzie St, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,036 sqft · built 1961
Lot Size	0.492 acres (21,450 sqft)
Owner	Individual Name on Record
Last Sale	$222,000 (Sep 2019)
Tax Bill	$3,308 (2025)
Deeds & Mortgages	Jul 2026 Sale Feb 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`412307281004`

Property Details

APN / Parcel Number

Primary APN	`412307281004`
Alternative APNs	`00923940000001` `10004702410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,036 sqft Living Area
Gross Area	3,227 sqft
1st Floor Area	2,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,450 sqft (0.492 acres)
Lot Dimensions	143 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	675 sqft
Driveway	Asphalt Driveway
Driveway Area	2,333 sqft
Pool Area	684 sqft
Porch	Slab
Porch Area	516 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00923940000001
Street Address	423 E MCKENZIE ST
City	PUNTA GORDA
State	FL
Zip	33950-6125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-10
Legal Description	PUNTA GORDA BLK 121 LTS 5 & 6 546/1214 590/231 663/111 COR1274/1335 1547/247 1547/248 2187/1158 2763/683 CT3942/1459 3992/1538 4286/502 4484/1901
Legal Range	23E
Legal Township	41S
Legal Section	07
Legal Subdivision	PUNTA GORDA
Legal Tract	PUG
Legal Block	121
Legal Lot Number	5,6
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1054
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	Individual Name on Record
Mailing Address	423 E MCKENZIE ST, PUNTA GORDA, FL 33950-6125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Sep 20, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Feb 27, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Prior Sale	Feb 17, 2015 · Amount on Record
Deed Document Number	20192745321
Deed Book / Page	4484 / 1901
Prior Transfer Date	Jul 27, 2005
Prior Transfer Doc	0027630683
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 10, 2026
Property Address	423 E MCKENZIE ST, PUNTA GORDA, FL 33950-6125
Document Number	0003662819
Instrument Date	Jul 9, 2026
Instrument	20263662819
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E MCKENZIE ST, PUNTA GORDA, FL 33950-6125

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	423 E MCKENZIE ST, PUNTA GORDA, FL 33950-6125
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E MCKENZIE ST, PUNTA GORDA, FL 33950-6125

Mortgage

Document Number	0049331075
Date	Feb 24, 2022
Book Page	4933/1075
Instrument	3063918

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 20, 2019
Property Address	423 E MCKENZIE ST, PUNTA GORDA, FL 33950-6125
Document Number	0044841901
Book / Page	004484 / 001901
Instrument Date	Sep 20, 2019
Instrument	2745321
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	BURNT STORE TITLE AND ESCROW LLC, BURNT STORE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 E MCKENZIE ST PUNTA GORDA FL 339506125, PUNTA GORDA, FL 33950-6125

Mortgage

Document Number	44841903
Date	Sep 20, 2019
Book Page	004484/001903
Instrument	2745322

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 27, 2018
Property Address	423 E MCKENZIE ST, PUNTA GORDA, FL 33950-6125
Document Number	0042860502
Book / Page	004286 / 000502
Instrument Date	Aug 28, 2015
Instrument	2590185
Transaction Type	Transfer
Record Updated	Mar 12, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1521 HARBOR BLVD PORT CHARLOTTE FL 339524484, PORT CHARLOTTE, FL 33952-4484

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	$3,308.00 (+2.51%) Homeowner's exemption	$240,096 (+5.99%)	$324,800 (+46.53%) Land $47,749 Building $277,051
2024	$3,227.00 (+1.83%)
2023	$3,169.00 (+3.02%) Homeowner's exemption	$226,533 (+3%)	$221,654 (-31.01%) Land $64,200 Building $157,454
2022	$3,076.00 Homeowner's exemption	$219,935	$321,270 Land $40,928 Building $280,342

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 547 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	565 units insured incl. 18 condo units
Nearby Flood Claims	191 (1979–2024)
Claims Outside the SFHA	1 of 191
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Frances, Sep 2004 · 16 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 16 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 30 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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