472 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 472 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,996 sqft · built 1997
Lot Size	0.248 acres (10,817 sqft)
Owner	Individual Name on Record
Last Sale	$957,000 (Mar 2023)
Tax Bill	$11,808 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Sep 2020 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`41-23-20-307-004`

Property Details

APN / Parcel Number

Primary APN	`41-23-20-307-004`
Alternative APNs	`0095260-122300-4` `10004707994`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,996 sqft Living Area
Gross Area	4,055 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Ceramic Tile
Lot Area	10,817 sqft (0.248 acres)
Garage Type	Finished
Garage Area	452 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	607 sqft
Loading Dock	624 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004707994
Old Parcel Number	00952601223004
Street Address	472 MONACO DR
City	PUNTA GORDA
State	FL
Zip	33950-7842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PGI 015 0262 0033 PUNTA GORDA ISLES SEC15 BLK262 LT33 599/462 DC786/1078 3246/679 3964/843 4267/150 4625/980
Legal Range	23E
Legal Township	41S
Legal Section	20
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	262
Legal Lot Number	33
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2008
Census Tract	10405

Owner

Source: Charlotte County records, as of December 10, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	472 MONACO DR, PUNTA GORDA, FL 33950-7842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Sep 2, 2020	Grant Deed, Transfer ATTORNEY ONLY
Dec 27, 2017	Warranty Deed, Transfer SUNCOAST ONE TITLE AND CLOSINGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Sep 2, 2020
Deed Document Number	3233807
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 14, 2023
Property Address	472 MONACO DR, PUNTA GORDA, FL 33950-7842
Document Number	0003233807
Map Reference	MB 8 PG 20-A-20-Z-5
Instrument Date	Mar 13, 2023
Instrument	3233807
Transaction Type	Transfer
Record Updated	Mar 24, 2023
Title Company	NOT AVAILABLE, OAK & INK LAND AND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,699.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6547 BAYTOWN DRIVE, SARASOTA, FL 34240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 MONACO DR, PUNTA GORDA, FL 33950-7842

Mortgage

Document Number	0003233808
Date	Mar 14, 2023
Instrument	3233808

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 2, 2020
Property Address	472 MONACO DR, PUNTA GORDA, FL 33950-7842
Document Number	0046250980
Book / Page	004625 / 000980
Instrument Date	Aug 11, 2020
Instrument	2847522
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 MONACO DR PUNTA GORDA FL 339507842, PUNTA GORDA, FL 33950-7842

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Dec 27, 2017
Property Address	472 MONACO DR, PUNTA GORDA, FL 33950-7842
Document Number	0042670150
Book / Page	004267 / 000150
Instrument Date	Dec 22, 2017
Instrument	2575152
Transaction Type	Transfer
Record Updated	Jan 10, 2018
Title Company	SUNCOAST ONE TITLE AND CLOSINGS

Transaction

Amount	Amount Recorded
Tax	$3,150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	472 MONACO DR PUNTA GORDA FL 339507842, PUNTA GORDA, FL 33950-7842

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 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	$11,808.00 (+39.81%) Homeowner's exemption	$751,527 (+57.54%)	$782,433 (+6.14%) Land $315,000 Building $467,433
2023	$8,446.00 (+3.9%) Homeowner's exemption	$477,051 (+3%)	$737,203 (+11.3%) Land $305,000 Building $432,203
2022	$8,129.00 Homeowner's exemption	$463,156	$662,353 Land $236,300 Building $426,053

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.

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 823 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,051 units insured incl. 228 condo units
Nearby Flood Claims	19 (2004–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 claims Hurricane Helene, Oct 2024 · 6 claims Hurricane Ian, Sep 2022 · 4 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	Low lower than 93% of the US · lower than 94% 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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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