Charlotte County property record for 439 Pebble Beach Ln, Punta Gorda, FL 33982
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,972 sqft · built 2006 |
| Lot Size | 0.203 acres (8,850 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Mar 2022) |
| Tax Bill | $4,033 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Mar 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 412303133003 |
| Primary APN | 412303133003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| Gross Area | 2,134 sqft |
| 1st Floor Area | 1,972 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Modular |
| Exterior Material | Frame/Metal |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,850 sqft (0.203 acres) |
| Lot Dimensions | 110 ft deep x 75 ft wide |
| Driveway | Concrete Driveway |
| Driveway Area | 480 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 12 sqft |
| Deck Area | Deck Area |
| Patio Area | 162 sqft |
| Shed | 1 Shed |
| Shed Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 00994210000003 |
|---|---|
| Street Address | 439 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 15 168/735 2623/795 2641/2145 2763/2010 CD3012/1852 UNREC DEED(FEDERAL NATL) ORDER3842/1400 4232/951 4351/680 4946/1399 |
| Legal Range | 23E |
| Legal Township | 41S |
| Legal Section | 03 |
| Legal Subdivision | TEE & GRN ESTS |
| Legal Tract | TGE |
| Legal Block | 8 |
| Legal Lot Number | 15 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 10503 |
439 Pebble Beach Ln is owned and occupied by an individual who bought it in March 2022.
Source: Charlotte County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 439 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 25, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 17, 2022 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Sep 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA |
| Aug 23, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Aug 24, 2017 | Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2022 · Amount on File |
| Deed Sale | Mar 17, 2022 · Amount on File |
| Prior Sale | Aug 23, 2018 · Amount on File |
| Deed Document Number | 20223073946 |
| Deed Book / Page | 4946 / 1399 |
| Prior Transfer Date | Jul 2, 2017 |
| Prior Transfer Doc | 0042320951 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 439 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 439 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993 |
| Document Number | 0003294823 |
|---|---|
| Date | Jul 25, 2023 |
| Instrument | 3294823 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jul 1, 2063 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Mar 17, 2022 |
| Property Address | 439 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993 |
| Document Number | 0049461399 |
| Book / Page | 4946 / 1399 |
| Map Reference | MB 4 PG 18A |
| Instrument Date | Mar 16, 2022 |
| Instrument | 3073946 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2485 MAGELLAN TER, 2485, PORT CHARLOTTE, FL 33983-3115 |
| Name | Verified Name |
|---|---|
| Address | 439 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993 |
| Document Number | 0049461401 |
|---|---|
| Date | Mar 17, 2022 |
| Instrument | 4946/1401 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 439 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044881311 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 4488/1311 |
| Instrument | 2747914 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Aug 23, 2018 |
| Property Address | 439 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993 |
| Document Number | 0043510680 |
| Book / Page | 004351 / 000680 |
| Instrument Date | Aug 1, 2018 |
| Instrument | 2640355 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $945.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 439 PEBBLE BEACH LN PUNTA GORDA FL 339821993, PUNTA GORDA, FL 33982-1993 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Recording Date | Aug 24, 2017 |
| Property Address | 439 PEBBLE BEACH LN, PUNTA GORDA, FL 33982-1993 |
| Document Number | 0042320951 |
| Book / Page | 004232 / 000951 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 2548184 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $1,226.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 6011 CONNECTION DR #5TH IRVING TX 750392607, 5TH, IRVING, TX 75039-2607 |
The 2025 property tax bill for 439 Pebble Beach Ln was $4,033.
Source: Charlotte County assessment roll, as of November 19, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,033.00 | $204,838 Land $10,200 Building $194,638 | $204,838 Land $10,200 Building $194,638 |
| 2023 | $4,397.00 (+133.88%) Homeowner's exemption | $255,486 (+154.81%) | $268,368 (+33.43%) Land $14,000 Building $254,368 |
| 2022 | $1,880.00 Homeowner's exemption | $100,265 | $201,128 Land $10,200 Building $190,928 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 439 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 |
|
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 risk around 439 Pebble Beach Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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