Charlotte County property record for 432 Norma Ct, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 1970 |
| Lot Size | 0.22 acres (9,599 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $505,000 (Mar 2006) |
| Tax Bill | $6,440 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Dec 2025 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 412212353001 |
| Primary APN | 412212353001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| Gross Area | 2,263 sqft |
| 1st Floor Area | 1,552 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Built-Up Asphalt |
| Lot Area | 9,599 sqft (0.22 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 420 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 110 sqft |
| Loading Dock | 502 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 00943160000002 |
|---|---|
| Street Address | 432 NORMA CT |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-5237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GS-3.5 |
| Legal Description | PUNTA GORDA ISLES SEC7 BLK65 LT 5 316/661 370/438 627/1973 926/361500/383 1513/83 1687/332 2917/724 |
| Legal Range | 22E |
| Legal Township | 41S |
| Legal Section | 12 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Tract | PGI |
| Legal Block | 65 |
| Legal Lot Number | 5 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 10402 |
Source: Charlotte County records · APN 412212353001
Assessment roll updated March 4, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 432 NORMA CT, PUNTA GORDA, FL 33950-5237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK |
| Dec 31, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 02, 2006 · Amount on Record |
| Deed Sale | Mar 02, 2006 · Amount on Record |
| Prior Sale | Mar 17, 1999 · Amount on Record |
| Deed Document Number | 20061521572 |
| Deed Book / Page | 2917 / 724 |
| Prior Transfer Date | Feb 10, 1997 |
| Prior Transfer Doc | 1513000083 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Jul 30, 2026 |
| Property Address | 432 NORMA CT, PUNTA GORDA, FL 33950-5237 |
| Document Number | 0003669063 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 20263669063 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 432 NORMA CT, PUNTA GORDA, FL 33950-5237 |
| Document Number | 0003669063, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 20263669063 |
| Name | PNC BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 25, 2066 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Dec 31, 2025 |
| Property Address | 432 NORMA CT, PUNTA GORDA, FL 33950-5237 |
| Document Number | 0003600855 |
| Map Reference | MB 7 PG 48A-48C |
| Instrument Date | Dec 30, 2025 |
| Instrument | 3600855 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 432 NORMA CT, PUNTA GORDA, FL 33950-5237 |
| Name | Verified Name |
|---|---|
| Address | 432 NORMA CT, PUNTA GORDA, FL 33950-5237 |
Source: Charlotte County records · Assessment roll updated March 4, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Municipality | Punta Gorda City |
| Unified School District | Charlotte County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,440.00 (+8.05%) Homeowner's exemption | $347,301 (+6.59%) | $482,350 (+0.28%) Land $283,900 Building $198,450 |
| 2023 | $5,960.00 (+4.4%) Homeowner's exemption | $325,822 (+2.41%) | $481,016 (-3.15%) Land $334,000 Building $147,016 |
| 2022 | $5,709.00 Homeowner's exemption | $318,139 | $496,645 Land $236,300 Building $260,345 |
Source: FEMA National Flood Hazard Layer as of September 28, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 368 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 622 units insured incl. 254 condo units |
| Nearby Flood Claims | 229 (1982–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| ALTIUS Communications Fixed Wireless | 100 / 20 |
Based on FCC filings for 354 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF PUNTA GORDA serves 36,302 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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