443 Gold Tree, Punta Gorda, FL 33955 Property Records

Charlotte County property record for 443 Gold Tree, Punta Gorda, FL 33955

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,998 sqft · built 1992
Lot Size	0.221 acres (9,605 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Feb 2020)
Tax Bill	$4,193 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`412333184013`

Property Details

APN / Parcel Number

Primary APN	`412333184013`
Alternative APNs	`00952620160401` `10004712538`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,998 sqft Living Area
Gross Area	2,849 sqft
1st Floor Area	1,998 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	9,605 sqft (0.221 acres)
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	504 sqft
Porch	Slab
Porch Area	389 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952620160401
Street Address	443 GOLD TREE
City	PUNTA GORDA
State	FL
Zip	33955-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC18 BLK389 LT4 1005/558 1219/818 3665/1243 3665/1244 AFF4316/901 4316/905 4538/2075
Legal Range	23E
Legal Township	41S
Legal Section	33
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	389
Legal Lot Number	4
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2017
Census Tract	10505

Owner

443 Gold Tree is owned and occupied by two individuals who bought it in February 2020.

Source: Charlotte County records, as of November 19, 2025

Owner of Record	2 Individual Names on File
Mailing Address	443 GOLD TREE, PUNTA GORDA, FL 33955-1021
Occupancy	Owner Occupied
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
Feb 12, 2020	Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU
May 17, 2018	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2020 · Amount on File
Deed Sale	Feb 12, 2020 · Amount on File
Prior Sale	May 17, 2018 · Amount on File
Deed Document Number	20202785960
Deed Book / Page	4538 / 2075
Prior Transfer Date	May 29, 2012
Prior Transfer Doc	0036651244
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Feb 12, 2020
Property Address	443 GOLD TREE, PUNTA GORDA, FL 33955-1021
Document Number	0045382075
Book / Page	004538 / 002075
Instrument Date	Feb 12, 2020
Instrument	2785960
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	443 GOLD TREE PUNTA GORDA FL 339551021, PUNTA GORDA, FL 33955-1021

Mortgage

Document Number	45382076
Date	Feb 12, 2020
Book Page	004538/002076
Instrument	2785961

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Feb 11, 2030

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 17, 2018
Property Address	443 GOLD TREE, PUNTA GORDA, FL 33955-1021
Document Number	0043160905
Book / Page	004316 / 000905
Instrument Date	May 15, 2018
Instrument	2613430
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SVCS

Transaction

Amount	Amount on Record
Tax	$1,834.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	443 GOLD TREE PUNTA GORDA FL 339551021, PUNTA GORDA, FL 33955-1021

Tax Assessment & Valuation

The 2025 property tax bill for 443 Gold Tree was $4,193 with a homeowner's exemption, up 2.4% from the year before.

Source: Charlotte County assessment roll, as of November 19, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Municipality	Punta Gorda City
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,193.00 (+2.44%) Homeowner's exemption	$293,306	$362,531 Land $46,750 Building $315,781
2024	$4,093.00 (+1.71%)
2023	$4,024.00 (+2.89%) Homeowner's exemption	$276,738 (+3%)	$329,790 (-10.06%) Land $57,000 Building $272,790
2022	$3,911.00 Homeowner's exemption	$268,678	$366,684 Land $46,750 Building $319,934

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

Flood

FEMA maps place 443 Gold Tree in Zone X, an area of minimal 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 minimal risk
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 269 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	269 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Hurricane Helene
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 2 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 443 Gold Tree is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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