45 Ocean Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 45 Ocean Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,950 sqft · built 1978
Lot Size	0.22 acres (9,599 sqft)
Owner	2 Company Names on Record
Last Sale	$566,000 (Apr 2020)
Tax Bill	$9,474 (2025)
Deeds & Mortgages	Sep 2025 Transfer Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`412211178010`

Property Details

APN / Parcel Number

Primary APN	`412211178010`
Alternative APNs	`00930170000006` `10004690109`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,950 sqft Living Area
Gross Area	3,027 sqft
1st Floor Area	1,950 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	9,599 sqft (0.22 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	552 sqft
Driveway	Driveway
Driveway Area	1,360 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Raised Porch
Porch Area	452 sqft
Loading Dock	315 sqft
Lawn Sprinklers	Lawn Sprinklers
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00930170000006
Street Address	45 OCEAN DR
City	PUNTA GORDA
State	FL
Zip	33950-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC4 BLK11 LT 31 570/1883 616/802 867/31 883/1210 1026/412 1916/2185 2617/592 4013/236 4271/1331 4288/316 4562/1055
Legal Range	22E
Legal Township	41S
Legal Section	11
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	11
Legal Lot Number	31
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2001
Census Tract	10401

Owner

Source: Charlotte County records, as of January 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	45 OCEAN DR, PUNTA GORDA, FL 33950-5003
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 10, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Jan 2, 2019	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU
Mar 2, 2018	Warranty Deed, Transfer SUNCOAST ONE TITLE & CLOSING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2020 · Amount on Record
Deed Sale	Apr 10, 2020 · Amount on Record
Prior Sale	Mar 2, 2018 · Amount on Record
Deed Document Number	20202803006
Deed Book / Page	4562 / 1055
Last Transfer Date	Sep 8, 2025
Transfer Doc	0003567717
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 12, 2025
Property Address	45 OCEAN DR, PUNTA GORDA, FL 33950-5003
Document Number	0003567717
Map Reference	MB 5 PG 45A&45B
Instrument Date	Sep 8, 2025
Instrument	3567717
Transaction Type	Transfer
Record Updated	Sep 26, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45 OCEAN DR, PUNTA GORDA, FL 33950-5003

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	45 OCEAN DR, PUNTA GORDA, FL 33950-5003

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 10, 2020
Property Address	45 OCEAN DR, PUNTA GORDA, FL 33950-5003
Document Number	0045621055
Book / Page	004562 / 001055
Instrument Date	Apr 8, 2020
Instrument	2803006
Transaction Type	Transfer
Record Updated	Jun 11, 2020
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,962.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7127 POSSUM ST MOUNT VERNON OH 430509340, MOUNT VERNON, OH 43050-9340

Mortgage

Document Number	45621057
Date	Apr 10, 2020
Book Page	004562/001057
Instrument	2803007

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	45 OCEAN DR, PUNTA GORDA, FL 33950-5003
Document Number	0043970878
Instrument Date	Jan 2, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 OCEAN DR PUNTA GORDA FL 339505003, PUNTA GORDA, FL 33950-5003

Mortgage

Document Number	0043970878
Date	Jan 15, 2019
Book Page	004397/000878
Instrument	2676561

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 14, 2044

Interest

Rate Type	Adjustable Rate

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 2, 2018
Property Address	45 OCEAN DR, PUNTA GORDA, FL 33950-5003
Document Number	0042880316
Book / Page	4288 / 0316
Map Reference	MB5 PG45A&45B
Instrument Date	Feb 28, 2018
Instrument	2591551
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	SUNCOAST ONE TITLE & CLOSING

Transaction

Amount	Amount Recorded
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6850 CYPRESS GROVE CIR, 6850, PUNTA GORDA, FL 33982-8629

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Ux (and Wife)
Address	45 OCEAN DR, PUNTA GORDA, FL 33950-5003

Tax Assessment & Valuation

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	$9,474.00 (-11.65%)	$580,336 (+13.21%) Land $372,300 Building $208,036	$580,336 (-6.78%) Land $372,300 Building $208,036
2024	$10,723.00 (+3.24%)	$512,604 (+1%)	$622,518 (-0.33%) Land $438,000 Building $184,518
2023	$10,386.00 (+14.41%)	$466,004 (-16.2%)	$624,596 (+12.31%) Land $438,000 Building $186,596
2022	$9,078.00	$556,121 Land $310,250 Building $245,871	$556,121 Land $310,250 Building $245,871

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

Flood

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 436 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,147 units insured incl. 711 condo units
Nearby Flood Claims	242 (1982–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 140 claims Hurricane Helene, Sep 2024 · 43 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 19 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

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

Wildfire Risk	Not rated no burnable land within 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 364 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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