4680 Riverside Dr, Punta Gorda, FL 33982 Property Records

Charlotte County property record for 4680 Riverside Dr, Punta Gorda, FL 33982

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 3,929 sqft · built 2004
Lot Size	1.98 acres (86,528 sqft)
Owner	2 Company Names on Record
Last Sale	$1,210,000 (Jun 2018)
Tax Bill	$18,418 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jan 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`402334253001`

Property Details

APN / Parcel Number

Primary APN	`402334253001`
Alternative APNs	`00784180000002` `10004624517`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,929 sqft Living Area
Gross Area	10,068 sqft
1st Floor Area	1,056 sqft

Interior Amenities

Fireplaces	1 Fireplace
Fireplace	Fireplace
Intercom	Intercom
Elevator	Elevator
Central Vacuum	Central Vacuum

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	86,528 sqft (1.98 acres)
Lot Dimensions	416 ft deep x 130 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	2,776 sqft
Driveway	Asphalt Driveway
Driveway Area	1,800 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Area	28 sqft
Porch	Enclosed/Screened Porch
Porch Area	1,904 sqft
Deck Area	Deck Area
Patio Area	901 sqft
Gazebo	483 sqft
Loading Dock	160 sqft
Lawn Sprinklers	Lawn Sprinklers
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	00784180000002
Street Address	4680 RIVERSIDE DR
City	PUNTA GORDA
State	FL
Zip	33982-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	CLEVELAND SOUTH BLOCK 7 ALL LOTS 2 & 3 AND ALL VAC FIRST ST ADJ TO LOT 2 AND VAC FRONT ST ADJ TO LOT 3 225/556 411/317 665/1376 723/471 746/57 DC750/651 DC812/1379 PR90-956 1395/1469 1509/1705 1827/295 1842/2116-2118 2221/1752 2673/1798 43
Legal Range	23E
Legal Township	40S
Legal Section	34
Legal Subdivision	CLEVELAND SOUTH
Legal Tract	CLS
Legal Block	7
Legal Lot Number	2,3
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	3
Census Block	3002
Census Tract	10200

Owner

Source: Charlotte County records, as of February 12, 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	4680 RIVERSIDE DR, PUNTA GORDA, FL 33982-1701
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage GOLDMAN SACHS BANK USA
Jun 15, 2018	Warranty Deed, Transfer · ARM GOLDMAN SACHS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2018 · Amount on Record
Deed Sale	Jun 15, 2018 · Amount on Record
Prior Sale	Nov 30, 2000 · Amount on Record
Deed Document Number	20182621468
Deed Book / Page	4327 / 356
Prior Transfer Date	Apr 5, 2005
Prior Transfer Doc	0026731798
Record Updated	Jun 8, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 29, 2026
Property Address	4680 RIVERSIDE DR, PUNTA GORDA, FL 33982-1701
Document Number	0003609059
Map Reference	MB 1 PG 22
Instrument Date	Jan 14, 2026
Instrument	3609059
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4680 RIVERSIDE DR, PUNTA GORDA, FL 33982-1701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4680 RIVERSIDE DR, PUNTA GORDA, FL 33982-1701

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	4680 RIVERSIDE DR, PUNTA GORDA, FL 33982-1701
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN ELS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045241892
Date	Jan 7, 2020
Book Page	4524/1892
Instrument	2775265

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.1%
Index	1-Year LIBOR
Max Rate	8.1%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 15, 2018
Property Address	4680 RIVERSIDE DR, PUNTA GORDA, FL 33982-1701
Document Number	0043270356
Book / Page	4327 / 0356
Map Reference	MB1 PG22
Instrument Date	Jun 14, 2018
Instrument	2621468
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4680 RIVERSIDE DR, 4680, PUNTA GORDA, FL 33982-1701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4680 RIVERSIDE DR, PUNTA GORDA, FL 33982-1701

Mortgage

Document Number	0002621469
Date	Jun 15, 2018
Instrument	2621469

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

Tax Assessment & Valuation

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	$18,418.00 (-4.55%) Homeowner's exemption	$1,260,918 (+5.99%)	$1,544,126 (-15.76%) Land $559,307 Building $984,819
2024	$19,295.00 (-1.78%)
2023	$19,644.00 (+2.92%) Homeowner's exemption	$1,189,691 (+3%)	$1,832,935 (+12.33%) Land $658,008 Building $1,174,927
2022	$19,086.00 Homeowner's exemption	$1,155,040	$1,631,675 Land $544,190 Building $1,087,485

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	10.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 193 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	193 in force
Nearby Flood Claims	357 (1982–2026)
Claims Outside the SFHA	5 of 357
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 90 claims Hurricane Helene, Oct 2024 · 60 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 43 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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 24 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: Blue Stream.

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