431 Pebble Beach Ln, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 431 Pebble Beach Ln, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,365 sqft · built 1959
Lot Size	0.406 acres (17,701 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Feb 2020)
Tax Bill	$1,183 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`412303133001`

Property Details

APN / Parcel Number

Primary APN	`412303133001`
Alternative APNs	`00994190000007` `10004698667`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,365 sqft Living Area
Gross Area	2,568 sqft
1st Floor Area	1,365 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,701 sqft (0.406 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	253 sqft
Carport	Carport
Carport Area	253 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Porch	Enclosed Porch
Porch Area	915 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00994190000007
Street Address	431 PEBBLE BEACH LN
City	PUNTA GORDA
State	FL
Zip	33982-1993
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	TEE & GRN ESTS BLK 8 LT 13 145/142 162/631 693/1305 732/1710 DC1185/928-JLW 3667/94 UNREC DC-VLW 4541/24 4546/2084 TGE 000 0008 0014 TEE & GRN ESTS BLK 8 LT 14 261/84 655/843 655/846 943/515 DC1185/928 3667/95 UNREC DC-VLW 4541/24 4546/2084
Legal Range	23E
Legal Township	41S
Legal Section	03
Legal Subdivision	TEE & GRN ESTS
Legal Tract	TGE
Legal Block	8
Legal Lot Number	13
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2023
Census Tract	10503

Owner

431 Pebble Beach Ln is owned and occupied by two individuals who bought it in February 2020.

Source: Charlotte County records, as of March 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	431 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2020 · Amount on File
Deed Sale	Feb 19, 2020 · Amount on File
Deed Document Number	20202787603
Deed Book / Page	4541 / 24
Prior Transfer Date	Jun 19, 2012
Prior Transfer Doc	0036670094
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 19, 2020
Property Address	431 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993
Document Number	0045410024
Book / Page	4541 / 0024
Map Reference	MB 4 PG 18A-18H
Instrument Date	Feb 6, 2020
Instrument	2787603
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 TARPON WAY, 515, PUNTA GORDA, FL 33950-6851

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	431 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993

Mortgage

Document Number	0045410026
Date	Feb 19, 2020
Instrument	4541/0026

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 431 Pebble Beach Ln was $1,183 with a homeowner's exemption, down 50.2% from the year before.

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,183.00 (-50.21%) Homeowner's exemption	$118,458 Land $20,400 Building $98,058	$118,458 Land $20,400 Building $98,058
2024	$2,376.00 (+2.5%)
2023	$2,318.00 (+4.51%) Homeowner's exemption	$118,678 (+3%)	$96,592 (-18.9%) Land $28,000 Building $68,592
2022	$2,218.00 Homeowner's exemption	$115,221	$119,101 Land $20,400 Building $98,701

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

Flood

FEMA maps place 431 Pebble Beach Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 46 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	46 in force
Nearby Flood Claims	4 (2017–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Nov 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 2 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 431 Pebble Beach Ln is low, with a 0.04% annual chance of wildfire.

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	0.04% 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 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20