776 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 776 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,633 sqft · built 1999
Lot Size	0.224 acres (9,771 sqft)
Owner	2 Trust Names on File
Last Sale	$479,000 (Sep 2011)
Tax Bill	$6,072 (2025)
Deeds & Mortgages	Sep 2023 Transfer Feb 2021 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`412329179011`

Property Details

APN / Parcel Number

Primary APN	`412329179011`
Alternative APNs	`00952601799801` `10004711396`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,633 sqft Living Area
Gross Area	3,684 sqft
1st Floor Area	2,633 sqft
Intercom	Intercom

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	9,771 sqft (0.224 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	558 sqft
Driveway	Concrete Driveway
Driveway Area	1,107 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	16 sqft
Porch	Raised Porch
Porch Area	493 sqft
Loading Dock	105 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601799801
Street Address	776 MONACO DR
City	PUNTA GORDA
State	FL
Zip	33950-8018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC15 BLK279 LT 52 697/2103 771/1722 794/2161 CD960/1159 UNREC DC-JWM 3088/1400 CD3257/1191 3600/1081&83&85&87 AFF3600/1089&1090 3600/1091 3318339
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	279
Legal Lot Number	52
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2020
Census Tract	10405

Owner

776 Monaco Dr is owner-occupied and held in a trust since September 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	776 MONACO DR, PUNTA GORDA, FL 33950-8018
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Sep 22, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 22, 2021	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2011 · Amount on File
Deed Sale	Sep 30, 2011 · Amount on File
Deed Document Number	20112045625
Deed Book / Page	3600 / 1091
Last Transfer Date	Sep 21, 2023
Transfer Doc	0003318339
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Sep 22, 2023
Property Address	776 MONACO DR, PUNTA GORDA, FL 33950-8018
Document Number	0003318339
Map Reference	MB 8 PG 20-A-20-Z5
Instrument Date	Sep 21, 2023
Instrument	3318339
Transaction Type	Transfer
Record Updated	Oct 6, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	776 MONACO DR, PUNTA GORDA, FL 33950-8018

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	776 MONACO DR, PUNTA GORDA, FL 33950-8018
Transaction Type	Mortgage
Record Updated	Jul 27, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047121816
Date	Feb 22, 2021
Book Page	4712/1816
Instrument	2906673

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	352 Months
Due	Jun 21, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 776 Monaco Dr was $6,072, down 12.6% 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	$6,072.00 (-12.56%)	$406,393	$703,012 Land $267,750 Building $435,262
2024	$6,944.00 (+1.34%)
2023	$6,852.00 (+4.28%) Homeowner's exemption	$383,437 (+3%)	$664,613 (+4.71%) Land $305,000 Building $359,613
2022	$6,571.00 Homeowner's exemption	$372,269	$634,745 Land $236,300 Building $398,445

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

Flood

FEMA maps place 776 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 776 Monaco Dr is moderate, ranking above 43% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% 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 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.

Nearby Properties on Monaco Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures