478 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 478 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,265 sqft · built 1994
Lot Size	0.22 acres (9,584 sqft)
Owner	2 Individual Names on Record
Last Sale	$499,900 (Jul 2017)
Tax Bill	$9,686 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`412320307003`

Property Details

APN / Parcel Number

Primary APN	`412320307003`
Alternative APNs	`00952601224003` `10004707993`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,265 sqft Living Area
Gross Area	3,076 sqft
1st Floor Area	2,265 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	9,584 sqft (0.22 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	760 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Raised Porch
Porch Area	349 sqft
Loading Dock	161 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601224003
Street Address	478 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	PUNTA GORDA ISLES SEC15 BLK262 LT34 599/431 975/993 1310/1064 1651/572 3302/780 3496/1892 4216/1525
Legal Range	23E
Legal Township	41S
Legal Section	20
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	262
Legal Lot Number	34
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 November 19, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	478 MONACO DR, PUNTA GORDA, FL 33950-7842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 7, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2017 · Amount on Record
Deed Sale	Jul 7, 2017 · Amount on Record
Prior Sale	Jun 23, 2008 · Amount on Record
Deed Document Number	20172536514
Deed Book / Page	4216 / 1525
Prior Transfer Date	Jun 9, 2010
Prior Transfer Doc	0034961892
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	478 MONACO DR, PUNTA GORDA, FL 33950-7842
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047142094
Date	Feb 25, 2021
Book Page	4714/2094
Instrument	2908280

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 7, 2017
Property Address	478 MONACO DR, PUNTA GORDA, FL 33950-7842
Document Number	0042161525
Book / Page	4216 / 1525
Map Reference	MB8 PG20A-20Z5
Instrument Date	Jun 30, 2017
Instrument	2536514
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	BURNT STORE TITLE & ESCROW L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,499.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3706 162ND AVE E, 3706, PARRISH, FL 34219-1752

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 MONACO DR, PUNTA GORDA, FL 33950-7842

Mortgage

Document Number	0002536515
Date	Jul 7, 2017
Instrument	2536515

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

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	$9,686.00 (-12.97%) Homeowner's exemption	$623,890 (+25.91%) Land $267,750 Building $356,140	$623,890 (-5.12%) Land $267,750 Building $356,140
2024	$11,130.00 (+5.94%)
2023	$10,506.00 (+9.07%)	$495,504 (-18.41%)	$657,551 (+8.27%) Land $305,000 Building $352,551
2022	$9,632.00	$607,305 Land $236,300 Building $371,005	$607,305 Land $236,300 Building $371,005

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 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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