698 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 698 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,549 sqft · built 2020
Lot Size	0.22 acres (9,599 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,380,000 (Mar 2026)
Tax Bill	$9,064 (2025)
Deeds & Mortgages	Mar 2026 Sale Aug 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`412329129008`

Property Details

APN / Parcel Number

Primary APN	`412329129008`
Alternative APNs	`00952601743005` `10004711283`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,549 sqft Living Area
Gross Area	3,678 sqft
1st Floor Area	2,549 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Tile
Lot Area	9,599 sqft (0.22 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	678 sqft
Driveway	Driveway
Driveway Area	1,443 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	36 sqft
Porch	Raised Porch
Loading Dock	245 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601743005
Street Address	698 MONACO DR
City	PUNTA GORDA
State	FL
Zip	33950-8016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC15 BLK278 LT22 649/1974 1143/1483 4270/1932 4462/2055
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	278
Legal Lot Number	22
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2020
Census Tract	10405

Owner

Source: Charlotte County records, as of April 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	698 MONACO DR, PUNTA GORDA, FL 33950-8016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS
Aug 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK
Jul 22, 2019	Warranty Deed, Transfer INTEGRITY TITLE SERVICES INC
Jan 5, 2018	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Jul 22, 2019 · Amount on Record
Deed Document Number	20263628314
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 30, 2026
Property Address	698 MONACO DR, PUNTA GORDA, FL 33950-8016
Document Number	0003628314
Map Reference	MB 8 PG 20A-20Z-5
Instrument Date	Mar 30, 2026
Instrument	3628314
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Tax	$9,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 HARVEY ST, PUNTA GORDA, FL 33950-3615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 MONACO DR, PUNTA GORDA, FL 33950-8016

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	698 MONACO DR, PUNTA GORDA, FL 33950-8016
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 MONACO DR, PUNTA GORDA, FL 33950-8016

Mortgage

Document Number	0050311776
Date	Aug 9, 2022
Book Page	5031/1776
Instrument	3137803

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2027
Change Frequency	6 Months
Min Rate At Change	3.5%
Max Rate At Change	10.5%
Index	Other
Max Rate	10.5%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 22, 2019
Property Address	698 MONACO DR, PUNTA GORDA, FL 33950-8016
Document Number	0044622055
Book / Page	4462 / 2055
Map Reference	MB 8 PG 20A-20Z-5
Instrument Date	Jul 19, 2019
Instrument	2728298
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	INTEGRITY TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5160 HABLOW LN, 5160, NORTH PORT, FL 34286-6474

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	536 ANDORA DR, PUNTA GORDA, FL 33950-7849

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jan 5, 2018
Property Address	698 MONACO DR, PUNTA GORDA, FL 33950-8016
Document Number	0042701932
Book / Page	004270 / 001932
Instrument Date	Jan 4, 2018
Instrument	2577796
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	HOMETOWN TITLE AND CLOSING SERVICES

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6546 BERNADEAN BLVD PUNTA GORDA FL 339821603, PUNTA GORDA, FL 33982-1603

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of March 4, 2026

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	$9,064.00 (-8.19%) Homeowner's exemption	$586,413 (+5.99%)	$972,908 (-1.18%) Land $267,750 Building $705,158
2024	$9,873.00 (+1.31%)
2023	$9,745.00 (+3.69%) Homeowner's exemption	$553,287 (+3%)	$984,483 (+5.81%) Land $305,000 Building $679,483
2022	$9,398.00 Homeowner's exemption	$537,172	$930,400 Land $236,300 Building $694,100

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

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	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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None 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 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 168 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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