Charlotte County property record for 495 Monaco Dr, Punta Gorda, FL 33950
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,199 sqft · built 1993 |
| Lot Size | 0.247 acres (10,801 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $286,000 (Sep 2013) |
| Tax Bill | $4,297 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 41-23-20-356-002 |
| Primary APN | 41-23-20-356-002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,199 sqft Living Area |
| Gross Area | 2,985 sqft |
| Year Built | Built 1993 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Ceramic Tile |
| Lot Area | 10,801 sqft (0.247 acres) |
| Garage Type | Finished |
| Garage Area | 462 sqft |
| Driveway | Driveway |
| Driveway Area | 1 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 38 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 324 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10004708105 |
|---|---|
| Old Parcel Number | 00952602133001 |
| Street Address | 495 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 | PGI 015 0290 0013 PUNTA GORDA ISLES SEC15 BLK290 LT13 911/1590 1275/1308 3805/2164 |
| Legal Range | 23E |
| Legal Township | 41S |
| Legal Section | 20 |
| Legal Subdivision | PUNTA GORDA ISLES |
| Legal Block | 290 |
| Legal Lot Number | 13 |
| Jurisdiction | CHARLOTTE FL |
| Township / Civil Division | PUNTA GORDA |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 10405 |
Source: Charlotte County records, as of December 10, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 495 MONACO DR, PUNTA GORDA, FL 33950-7807 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MISSION LOANS LLC |
| May 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2013 · Amount on Record |
| Deed Sale | Sep 24, 2013 · Amount on Record |
| Deed Document Number | 2212713 |
| Deed Book / Page | 3805 / 2164 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 495 MONACO DR, PUNTA GORDA, FL 33950-7807 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 495 MONACO DR, PUNTA GORDA, FL 33950-7807 |
| Document Number | 0048490966 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 4849/966 |
| Instrument | 3003382 |
| Name | MISSION LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DIAMOND BAR, CA 91765 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHARLOTTE FL |
| Property Address | 495 MONACO DR, PUNTA GORDA, FL 33950-7807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044390162 |
|---|---|
| Date | May 16, 2019 |
| Book Page | 4439/0162 |
| Instrument | 2710151 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
Source: Charlotte County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Charlotte County |
| Municipality | Punta Gorda City |
| Unified School District | Charlotte County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,297.00 (+4.3%) Homeowner's exemption Widower's exemption | $304,596 (+5.99%) | $483,794 (+17.64%) Land $115,000 Building $368,794 |
| 2023 | $4,120.00 (+0.98%) Homeowner's exemption Widower's exemption | $287,390 (+3%) | $411,256 (+14.65%) Land $100,000 Building $311,256 |
| 2022 | $4,080.00 Homeowner's exemption Widower's exemption | $279,019 | $358,715 Land $76,500 Building $282,215 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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