693 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 693 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,044 sqft · built 1990
Lot Size	0.247 acres (10,798 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Apr 2016)
Tax Bill	$4,213 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`41-23-29-130-010`

Property Details

APN / Parcel Number

Primary APN	`41-23-29-130-010`
Alternative APNs	`0095260-192840-4` `10004711300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,044 sqft Living Area
Gross Area	2,736 sqft

Exterior

Year Built	Built 1990
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Ceramic Tile
Lot Area	10,798 sqft (0.247 acres)
Garage Type	Finished
Garage Area	412 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Porch
Porch Area	280 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	10004711300
Old Parcel Number	00952601928404
Street Address	693 MONACO DR
City	PUNTA GORDA
State	FL
Zip	33950-8015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PGI 015 0283 0025 PUNTA GORDA ISLES SEC15 BLK283 LT 25 626/1276 626/1447 970/271 1086/693 DC2597/219
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	283
Legal Lot Number	25
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2020
Census Tract	10405

Owner

693 Monaco Dr is owned and occupied by an individual who bought it in April 2016.

Source: Charlotte County records, as of December 10, 2025

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	693 MONACO DR, PUNTA GORDA, FL 33950-8015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit ACHIEVA CU
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC
Apr 11, 2018	Deed of Trust, Mortgage · Line of Credit SUNCOAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2016 · Amount on File
Deed Sale	Apr 4, 2016 · Amount on File
Deed Document Number	2426503
Deed Book / Page	4068 / 0193
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	693 MONACO DR, PUNTA GORDA, FL 33950-8015
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	693 MONACO DR, PUNTA GORDA, FL 33950-8015

Mortgage

Document Number	0003577940
Date	Oct 15, 2025
Instrument	3577940

Lender

Name	ACHIEVA CU
Type	Credit Union
Address	DUNEDIN, FL 34697

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	693 MONACO DR, PUNTA GORDA, FL 33950-8015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	693 MONACO DR, PUNTA GORDA, FL 33950-8015

Mortgage

Document Number	0046900873
Date	Jan 11, 2021
Book Page	4690/873
Instrument	2891490

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63144

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	693 MONACO DR, PUNTA GORDA, FL 33950-8015
Document Number	0043110434
Instrument Date	Apr 11, 2018
Transaction Type	Mortgage
Record Updated	May 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	693 MONACO DR PUNTA GORDA FL 339508015, PUNTA GORDA, FL 33950-8015

Mortgage

Document Number	0043110434
Date	May 3, 2018
Book Page	004311/000434
Instrument	2609187

Lender

Name	SUNCOAST CU
Address	TAMPA, FL 33680

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 2, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 693 Monaco Dr was $4,213 with a homeowner's exemption.

Source: Charlotte County assessment roll, as of July 1, 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	$4,213.00 Homeowner's exemption	$294,509	$365,460 Land $115,000 Building $250,460
2023	$3,246.00 (-17.4%) Homeowner's exemption	$277,873 (+3%)	$337,688 (+14.27%) Land $100,000 Building $237,688
2022	$3,930.00 Homeowner's exemption	$269,780	$295,514 Land $76,500 Building $219,014

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

Flood

FEMA maps place 693 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 693 Monaco Dr is low, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: Ethx.

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