482 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 482 Monaco Dr, Punta Gorda, FL 33950 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,289 sqft · built 2000
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on File
Last Sale	$545,000 (Aug 2009)
Tax Bill	$1,010 (2024)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`41-23-20-307-002`

Property Details

APN / Parcel Number

Primary APN	`41-23-20-307-002`
Alternative APNs	`0095260-122700-0` `10004707992`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,289 sqft Living Area
Gross Area	3,134 sqft

Exterior

Year Built	Built 2000
Architectural Style	Other
Exterior Material	Concrete Block
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Ceramic Tile
Lot Area	9,600 sqft (0.22 acres)
Garage Type	Finished
Garage Area	441 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	28 sqft
Porch	Porch
Porch Area	404 sqft
Loading Dock	210 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004707992
Old Parcel Number	00952601227000
Street Address	482 MONACO DR
City	PUNTA GORDA
State	FL
Zip	33950-7842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PGI 015 0262 0035 PUNTA GORDA ISLES SEC15 BLK262 LT35 560/245 1614/1071 1759/838 3413/2075
Legal Range	23E
Legal Township	41S
Legal Section	20
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	262
Legal Lot Number	35
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2008
Census Tract	10405

Owner

Source: Charlotte County records · APN 41-23-20-307-002

Assessment roll updated July 1, 2025 · Last verified January 2026

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	482 MONACO DR, PUNTA GORDA, FL 33950-7842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2009 · Amount on Record
Deed Sale	Aug 31, 2009 · Amount on Record
Prior Sale	Dec 30, 1999 · Amount on Record
Deed Document Number	1874859
Deed Book / Page	3413 / 2075
Record Updated	Jun 08, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	482 MONACO DR, PUNTA GORDA, FL 33950-7842
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045430429
Date	Feb 25, 2020
Book Page	4543/429
Instrument	2789343

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated July 1, 2025 · Last verified January 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Disabled Person's exemption Veteran's exemption	$395,344 (+5.99%)	$658,285 (+3.43%) Land $315,000 Building $343,285
2024	$1,010.00
2023	$1,010.00 (+14.12%) Disabled Person's exemption Veteran's exemption	$373,012 (+3%)	$636,476 (+7.7%) Land $305,000 Building $331,476
2022	$885.00 Disabled Person's exemption	$362,148	$590,945 Land $236,300 Building $354,645

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Charlotte County (12015C), updated September 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120150104052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 823 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,051 units insured 228 under condo master policies
Nearby Flood Claims	19 (2004–2024)
Most Recent Claim	Oct 2024, tidal / storm surge, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 6 claims Hurricane Helene, Oct 2024 · 6 claims Hurricane Ian, Sep 2022 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 294 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Ripple Fiber	Fiber	2,000 / 2,000
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
Lumen Technologies	DSL	140 / 20
ALTIUS Communications	Fixed Wireless (licensed-by-rule)	100 / 20

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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