4312 Vasco St, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 4312 Vasco St, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,407 sqft · built 2021
Lot Size	0.275 acres (11,999 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Oct 2025)
Tax Bill	$12,660 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`41-23-19-135-013`

Property Details

APN / Parcel Number

Primary APN	`41-23-19-135-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,407 sqft Living Area
Gross Area	3,384 sqft
Flooring	Covered

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Clay Tile
Lot Area	11,999 sqft (0.275 acres)
View / Lot	Water
Driveway	Driveway
Driveway Area	982 sqft
Parking Spaces	2 Parking Spaces
Pool Area	36 sqft
Loading Dock	96 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	4312 VASCO ST
City	PUNTA GORDA
State	FL
Zip	33950-7342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	WWI 000 0000 0013 WINDWARD ISLES LOT 13 (12000 SF) RES4426/457 PL4426/583 4696/1517 3295685 3574844
Legal Subdivision	RIO VILLA
Legal Lot Number	13
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	3
Census Block	3009
Census Tract	10301

Owner

4312 Vasco St is owned by an individual who bought it in October 2025.

Source: Charlotte County records, as of December 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1607 ORRS BRIDGE RD, ENOLA, PA 17025-1925
Owner Type	Individual

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
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 26, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jan 22, 2021	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on File
Deed Sale	Oct 6, 2025 · Amount on File
Prior Sale	Jul 26, 2023 · Amount on File
Deed Document Number	3574844
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 6, 2025
Property Address	4312 VASCO ST, PUNTA GORDA, FL 33950-7342
Document Number	0003574844
Map Reference	MB 23 PG 5A
Instrument Date	Oct 3, 2025
Instrument	3574844
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9935 SYLVESTOR RD, HIGHLANDS RANCH, CO 80129-6212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 ORRS BRIDGE RD, ENOLA, PA 17025-1925

Mortgage

Document Number	0003574845
Date	Oct 6, 2025
Instrument	3574845

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 26, 2023
Property Address	4312 VASCO ST, PUNTA GORDA, FL 33950-7342
Document Number	0003295685
Map Reference	MB 23 PG 5-A
Instrument Date	Jul 22, 2023
Instrument	3295685
Transaction Type	Transfer
Record Updated	Aug 7, 2023
Title Company	AWS TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,892.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15185 HENNIPEN CIR, PORT CHARLOTTE, FL 33981-4651

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 VASCO ST, PUNTA GORDA, FL 33950-7342

Mortgage

Document Number	0003295686
Date	Jul 26, 2023
Instrument	3295686

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 22, 2021
Property Address	4312 VASCO ST, PUNTA GORDA, FL 33950-7342
Document Number	0046961517
Book / Page	4696 / 1517
Map Reference	MB 23 PG 5-A
Instrument Date	Jan 22, 2021
Instrument	2895875
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,173.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5519 E 82ND ST, 5519, INDIANAPOLIS, IN 46250-4699

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4312 VASCO ST, PUNTA GORDA, FL 33950-7342

Mortgage

Document Number	0046961519
Date	Jan 22, 2021
Instrument	4696/1519

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4312 Vasco St was $12,660, down 4.5% from the year before.

Source: Charlotte County assessment roll, as of July 1, 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	$12,660.00 (-4.46%)	$839,267 (+2.58%)	$775,772 (+2.46%) Land $160,000 Building $615,772
2024	$13,251.00 (+28.2%)	$818,121 (+26.95%)	$757,171 (+2.82%) Land $160,000 Building $597,171
2023	$10,336.00 (+2.75%) Homeowner's exemption	$644,467 (+3%)	$736,427 (+17.7%) Land $150,000 Building $586,427
2022	$10,059.00 Homeowner's exemption	$625,696 Land $114,750 Building $510,946	$625,696 Land $114,750 Building $510,946

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

Flood

FEMA maps place 4312 Vasco St 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 345 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	345 in force
Nearby Flood Claims	289 (1982–2025)
Most Recent Claim	Oct 2025
Claims by Event	Hurricane Milton, Oct 2024 · 101 claims Hurricane Helene, Sep 2024 · 106 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 31 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 4312 Vasco St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 407 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

May also be available: BridgeMAXX Suncoast Broadband, Ripple Fiber.

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