489 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 489 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,406 sqft · built 1989
Lot Size	0.248 acres (10,801 sqft)
Owner	Company Name on File
Tax Bill	$8,619 (2025)
Deeds & Mortgages	Oct 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`412320356001`

Property Details

APN / Parcel Number

Primary APN	`412320356001`
Alternative APNs	`00952602132002` `10004708104`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,406 sqft Living Area
Gross Area	3,416 sqft
1st Floor Area	2,406 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	10,801 sqft (0.248 acres)
Garage Type	Attached
Garage Area	506 sqft
Driveway	Stamped Concrete Driveway
Driveway Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	360 sqft
Porch	Raised Porch
Porch Area	504 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952602132002
Street Address	489 MONACO DR
City	PUNTA GORDA
State	FL
Zip	33950-7807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC15 BLK290 LT 12 994/538 1034/1960 1264/419 2233/1617 4369/306
Legal Range	23E
Legal Township	41S
Legal Section	20
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	290
Legal Lot Number	12
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2021
Census Tract	10405

Owner

Source: Charlotte County records · APN 412320356001

Assessment roll updated November 19, 2025 · Last verified April 2026

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

Owner of Record	Company Name on File
Mailing Address	6190 COUNTY ROAD 15A, GRAFTON, ND 58237-9188
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 27, 2018
Transfer Doc	0043690306
Record Updated	Jun 08, 2026

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 16, 2018
Property Address	489 MONACO DR, PUNTA GORDA, FL 33950-7807
Document Number	0043690306
Book / Page	004369 / 000306
Instrument Date	Sep 27, 2018
Instrument	2653941
Transaction Type	Transfer
Record Updated	Oct 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6190 COUNTY ROAD 15A GRAFTON ND 582379188, GRAFTON, ND 58237-9188

Tax Assessment & Valuation

Source: Charlotte County records · Assessment roll updated November 19, 2025 · Last verified April 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	$8,619.00 (+0.17%)	$523,507 (+22.83%) Land $97,750 Building $425,757	$523,507 (+15.59%) Land $97,750 Building $425,757
2024	$8,604.00 (+14.29%)
2023	$7,528.00 (+13.37%)	$426,197 (+1%)	$452,903 (+16.89%) Land $100,000 Building $352,903
2022	$6,640.00	$387,452 Land $76,500 Building $310,952	$387,452 Land $76,500 Building $310,952

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 28, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (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	100 / 20

May also be available: Hotwire Communications.

Based on FCC filings for 294 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF PUNTA GORDA serves 36,302 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.