618 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 618 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,539 sqft · built 2017
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Jan 2022)
Tax Bill	$16,288 (2025)
Deeds & Mortgages	Jan 2022 Sale Aug 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`412329357004`

Property Details

APN / Parcel Number

Primary APN	`412329357004`
Alternative APNs	`00952601349922` `10004711808`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,539 sqft Living Area
Gross Area	4,039 sqft
1st Floor Area	2,539 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Tile
Lot Area	9,600 sqft (0.22 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	741 sqft
Driveway	Driveway
Driveway Area	1,885 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	48 sqft
Porch	Raised Porch
Porch Area	758 sqft
Loading Dock	105 sqft
Lawn Sprinklers	Lawn Sprinklers
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601349922
Street Address	618 MONACO DR
City	PUNTA GORDA
State	FL
Zip	33950-8014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC15 BLK265 LT25 644/910 DC991-1071(EAF) PRO89-203 DC1040/1906-TBF 1047/356 1636/2192 1736/1570 2005/299 2583/2074 3659/1792 4416/756 4907/321
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	265
Legal Lot Number	25
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2008
Census Tract	10405

Owner

618 Monaco Dr is owned by two individuals who bought it in January 2022.

Source: Charlotte County records, as of November 19, 2025

Owner of Record	2 Individual Names on File
Mailing Address	36 RAMBLE WAY, ASHEVILLE, NC 28803-8819
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC
Aug 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
Mar 15, 2019	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2022 · Amount on File
Deed Sale	Jan 7, 2022 · Amount on File
Prior Sale	Mar 15, 2019 · Amount on File
Deed Document Number	20223043695
Deed Book / Page	4907 / 321
Prior Transfer Date	May 22, 2012
Prior Transfer Doc	0036591792
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 7, 2022
Property Address	618 MONACO DR, PUNTA GORDA, FL 33950-8014
Document Number	0049070321
Book / Page	4907 / 321
Map Reference	MB 8 PG 20A-20Z5
Instrument Date	Jan 7, 2022
Instrument	3043695
Transaction Type	Transfer
Record Updated	Jan 31, 2022
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Tax	$9,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	618 MONACO DR, 618, PUNTA GORDA, FL 33950-8014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 RAMBLE WAY, ASHEVILLE, NC 28803-8819

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	618 MONACO DR, PUNTA GORDA, FL 33950-8014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044741895
Date	Aug 23, 2019
Book Page	4474/1895
Instrument	2737602

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 15, 2019
Property Address	618 MONACO DR, PUNTA GORDA, FL 33950-8014
Document Number	0044160756
Book / Page	004416 / 000756
Instrument Date	Mar 15, 2019
Instrument	2692157
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$6,475.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	618 MONACO DR PUNTA GORDA FL 339508014, PUNTA GORDA, FL 33950-8014

Tax Assessment & Valuation

The 2025 property tax bill for 618 Monaco Dr was $16,288, down 16.1% from the year before.

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	$16,288.00 (-16.08%)	$980,169 Land $267,750 Building $712,419	$980,169 Land $267,750 Building $712,419
2024	$19,409.00 (-2.15%)
2023	$19,835.00 (+72.07%)	$1,105,093 (+67.08%)	$914,102 (+2.58%) Land $305,000 Building $609,102
2022	$11,527.00 Homeowner's exemption	$661,409	$891,076 Land $236,300 Building $654,776

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

FEMA maps place 618 Monaco Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 618 Monaco Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within 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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