644 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 644 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,600 sqft · built 2001
Lot Size	0.36 acres (15,675 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Apr 2021)
Tax Bill	$10,325 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`412329101017`

Property Details

APN / Parcel Number

Primary APN	`412329101017`
Alternative APNs	`00952601344963` `10004711197`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,600 sqft Living Area
Gross Area	3,625 sqft
1st Floor Area	2,600 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	15,675 sqft (0.36 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	548 sqft
Driveway	Driveway
Driveway Area	851 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Raised Porch
Porch Area	477 sqft
Loading Dock	105 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601344963
Street Address	644 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 LT29 680/961 805/515 825/2206 897/1713 972/865 1433/1826 1844/2050 1933/ 700 2049/70 2518/488 2956/671 4745/1822
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	265
Legal Lot Number	29
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2008
Census Tract	10405

Owner

644 Monaco Dr is owned and occupied by two individuals who bought it in April 2021.

Source: Charlotte County records, as of March 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	644 MONACO DR, PUNTA GORDA, FL 33950-8014
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2021 · Amount on File
Deed Sale	Apr 13, 2021 · Amount on File
Prior Sale	May 1, 2006 · Amount on File
Deed Document Number	20212930051
Deed Book / Page	4745 / 1822
Prior Transfer Date	Sep 10, 1995
Prior Transfer Doc	1433001826
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 13, 2021
Property Address	644 MONACO DR, PUNTA GORDA, FL 33950-8014
Document Number	0047451822
Book / Page	4745 / 1822
Map Reference	MB 8 PG 20A-20Z5
Instrument Date	Apr 13, 2021
Instrument	2930051
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1592 RIVER RD, 1592, NEW HOPE, PA 18938-9267

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 MONACO DR, PUNTA GORDA, FL 33950-8014

Mortgage

Document Number	47451824
Date	Apr 13, 2021
Instrument	4745/1824

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 644 Monaco Dr was $10,325 with a homeowner's exemption, down 12.9% 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	$10,325.00 (-12.9%) Homeowner's exemption	$662,323 Land $198,900 Building $463,423	$662,323 Land $198,900 Building $463,423
2024	$11,854.00 (+1.31%)
2023	$11,701.00 (+4.79%) Homeowner's exemption	$668,109 (+11.37%)	$673,726 (+12.31%) Land $210,000 Building $463,726
2022	$11,166.00	$599,899 Land $144,500 Building $455,399	$599,899 Land $144,500 Building $455,399

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

Flood

FEMA maps place 644 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 644 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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