Charlotte County property record for 440 E Grace St, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,170 sqft · built 2009 |
| Lot Size | 0.167 acres (7,311 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $147,000 (Feb 2009) |
| Tax Bill | $3,369 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 41-23-07-284-004 |
| Primary APN | 41-23-07-284-004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,170 sqft Living Area |
| Gross Area | 1,602 sqft |
| Flooring | Covered |
| Year Built | Built 2009 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 7,311 sqft (0.167 acres) |
| Lot Dimensions | 131 ft deep x 118 ft wide |
| Garage Area | 312 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | 10004702431 |
|---|---|
| Street Address | 440 E GRACE ST |
| City | PUNTA GORDA |
| State | FL |
| Zip | 33950-6119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NR-10 |
| Legal Description | PUG 000 0124 0014 PUNTA GORDA BLK124 LTS 13-15 LESS THE W 51 FT OF LTS 13-15 BASED UPON THE SLY LT LINE OF LT 15. AS |
| Legal Range | 23E |
| Legal Township | 41S |
| Legal Section | 07 |
| Legal Subdivision | PUNTA GORDA |
| Legal Block | 124 |
| Legal Lot Number | 13-15 15 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2123 |
| Census Tract | 10302 |
Source: Charlotte County records, as of December 10, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 7018 N PLUM TREE, PUNTA GORDA, FL 33955-1114 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2009 · Amount on Record |
| Deed Sale | Feb 20, 2009 · Amount on Record |
| Deed Document Number | 1828377 |
| Deed Book / Page | 3360 / 1509 |
| Record Updated | Jun 8, 2026 |
Source: Charlotte County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Municipality | Punta Gorda City |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,369.00 (+533.27%) | $202,782 (+204.92%) | $169,909 (+4.31%) Land $24,000 Building $145,909 |
| 2023 | $532.00 (+1.72%) Homeowner's exemption | $66,504 (+3%) | $162,883 (-12.15%) Land $21,000 Building $141,883 |
| 2022 | $523.00 Homeowner's exemption | $64,567 | $185,411 Land $11,050 Building $174,361 |
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.
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 335 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 734 units insured incl. 399 condo units |
| Nearby Flood Claims | 335 (1983–2024) |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
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.
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 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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