440 Leach Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 440 Leach Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,338 sqft · built 1959
Lot Size	0.238 acres (10,375 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Jun 2024)
Tax Bill	$3,186 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`412318330011`

Property Details

APN / Parcel Number

Primary APN	`412318330011`
Alternative APNs	`01013380000009` `10004706126`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,338 sqft Living Area
Gross Area	2,008 sqft
1st Floor Area	1,338 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,375 sqft (0.238 acres)
Lot Dimensions	125 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	264 sqft
Driveway	Driveway
Driveway Area	1 sqft
Pool Area	450 sqft
Porch	Enclosed/Screened Porch
Porch Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	01013380000009
Street Address	440 LEACH DR
City	PUNTA GORDA
State	FL
Zip	33950-2950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	TIERRA CORONADO BLK F LT 3 386/796 499/313 CT4001/555 4012/572 4188/46 4974/572 3412762
Legal Range	23E
Legal Township	41S
Legal Section	18
Legal Subdivision	TIERRA CORONADO
Legal Tract	TRC
Legal Block	F
Legal Lot Number	3
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	3
Census Block	3006
Census Tract	10301

Owner

440 Leach Dr is owned by an individual who bought it in June 2024.

Source: Charlotte County records, as of March 27, 2026

Owner of Record	Individual Name on File
Mailing Address	6363 THORNCREST DR, GALLOWAY, OH 43119-8827
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

Date	Document
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Apr 14, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2024 · Amount on File
Deed Sale	Jun 4, 2024 · Amount on File
Prior Sale	Apr 29, 2022 · Amount on File
Deed Document Number	20243412762
Prior Transfer Date	Sep 17, 2015
Prior Transfer Doc	0040120572
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 29, 2022
Property Address	440 LEACH DR, PUNTA GORDA, FL 33950-2950
Document Number	0049740572
Book / Page	4974 / 572
Map Reference	MB 3 PG 47A&47B
Instrument Date	Apr 28, 2022
Instrument	3094989
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	ESQUIRE LAND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,618.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 510354, PUNTA GORDA, FL 33951-0354

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6205 HARVEST ST, SPRINGFIELD, OH 45502-7536

Mortgage

Document Number	0004974574
Date	Apr 29, 2022
Instrument	4974/574

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 14, 2017
Property Address	440 LEACH DR, PUNTA GORDA, FL 33950-2950
Document Number	0041880046
Book / Page	004188 / 000046
Instrument Date	Apr 5, 2017
Instrument	2515630
Transaction Type	Transfer
Record Updated	Jul 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 111 SPOTSWOOD NJ 088840111, SPOTSWOOD, NJ 08884-0111

Mortgage

Document Number	41880048
Date	Apr 14, 2017
Book Page	004188/000048
Instrument	2515631

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 440 Leach Dr was $3,186, down 19.6% 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	$3,186.00 (-19.63%)	$211,250 Land $21,165 Building $190,085	$211,250 Land $21,165 Building $190,085
2024	$3,964.00 (-14.51%)
2023	$4,637.00 (+182.57%)	$245,690 (+149.43%)	$131,385 (-9.97%) Land $24,900 Building $106,485
2022	$1,641.00 Homeowner's exemption Disabled Person's exemption	$98,502	$145,928 Land $20,107 Building $125,821

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 440 Leach Dr 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 440 Leach Dr 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 99.8% of the US · lower than 99.7% 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.

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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