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6431 Scott St, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 6431 Scott St, Punta Gorda, FL 33950

Property Summary

Property TypeSingle Family Home
Details1 ba · 600 sqft · built 1930
Lot Size0.321 acres (14,000 sqft)
OwnerIndividual Name on Record
Last Sale$56,000 (Oct 2021)
Tax Bill$292 (2025)
Deeds & MortgagesOct 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN41-23-05-302-015

Property Details

APN / Parcel Number

Primary APN41-23-05-302-015
Alternative APNs
  • 0086988-000000-5
  • 10004700771

Interior

Full Baths1 Bath
Stories1 Story
Building Area600 sqft Living Area
Utility Area600 sqft
Utility RoomUtility Room

Exterior

Year BuiltBuilt 1930
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Foundation TypePier/Post & Beam
Roof MaterialMetal
Lot Area14,000 sqft (0.321 acres)
Lot Dimensions140 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number10004700771
Old Parcel Number00869880000005
Street Address6431 SCOTT ST
CityPUNTA GORDA
StateFL
Zip33950-3945
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMHC
Legal DescriptionLVS 000 000E 0023 LAVILLA BLK E LTS 23 & 24 DB51/86 12/231 12/236 665/553 1488/1772 4863/1926
Legal Range23E
Legal Township41S
Legal Section05
Legal SubdivisionLAVILLA
Legal BlockE
Legal Lot Number23-24 24
JurisdictionCHARLOTTE FL
Township / Civil DivisionPUNTA GORDA
Census Block Group2
Census Block2067
Census Tract10302

Owner

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 RecordIndividual Name on Record
Mailing Address2603 IMPERIAL PALM DR, LARGO, FL 33771-1601
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 25, 2021 · Amount on Record
Deed SaleOct 25, 2021 · Amount on Record
Deed Document Number3013700
Deed Book / Page4863 / 1926
Record UpdatedJun 8, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHARLOTTE FL
Recording DateOct 25, 2021
Property Address6431 SCOTT ST, PUNTA GORDA, FL 33950-3945
Document Number0048631926
Book / Page4863 / 1926
Map ReferenceMB 1 PG 6
Instrument DateOct 1, 2021
Instrument3013700
Transaction TypeTransfer
Record UpdatedNov 17, 2021
Title CompanyFLORIDA HOMETOWN TITLE AND ESCRO, FLORIDA HOMETOWN T&E

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$392.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address232 N MAIN ST, 232, HANCOCK, WI 54943-9644

Transferred To (Grantee/Buyer)

NameVerified Name
Address2603 IMPERIAL PALM DR, LARGO, FL 33771-1601

Mortgage

Document Number48631928
DateOct 25, 2021
Instrument4863/1928
Lender
NameLAKE MICHIGAN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2051
Interest
Rate TypeAdjustable Rate
Rate2.87%
Type Change DateNov 1, 2024
Change FrequencyAnnually
Min Rate At Change4.25%
Max Rate At Change4.87%
Index1-Year CMT
Max Rate7.87%

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyCharlotte County
Unified School DistrictCharlotte County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$292.00 (-61.07%)$19,421 (+8.29%)$22,848 (-2.26%) Land $22,145 Building $703
2023$750.00 (+9.81%)$17,934 (+1%)$23,376 (+43.38%) Land $22,660 Building $716
2022$683.00$16,304 Land $15,759 Building $545$16,304 Land $15,759 Building $545

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation9.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 335 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies734 units insured
incl. 399 condo units
Nearby Flood Claims335 (1983–2024)
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 145 claims
  • Hurricane Helene, Sep 2024 · 112 claims
  • Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 12 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 RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemCITY OF PUNTA GORDA
serves 36,302 people · EPA ID FL6080051
Water SourceSurface water
Last State InspectionDec 2023
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 93 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Ripple Fiber
Fiber		2,000 / 2,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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