790 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 790 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,822 sqft · built 1993
Lot Size	0.395 acres (17,211 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Apr 2026)
Tax Bill	$1,856 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2026 Sale + 4 more
Flood Zone	Zone AE (high risk)
APN	`412329255002`

Property Details

APN / Parcel Number

Primary APN	`412329255002`
Alternative APNs	`00952601801102` `10004711586`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,822 sqft Living Area
Gross Area	4,200 sqft
Upper Floors Area	400 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Combination
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	17,211 sqft (0.395 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	640 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Enclosed/Screened Porch
Porch Area	693 sqft
Deck Area	45 sqft
Patio Area	45 sqft
Loading Dock	105 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601801102
Street Address	790 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 BLK280 LT 1 783/806 993/824 1273/800 1314/1958 1611/1294 4202/1514 4660/1642
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	280
Legal Lot Number	1
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 August 26, 2026

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	2 Individual Names on Record
Mailing Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Apr 14, 2026	Warranty Deed, Transfer HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SERVI
Sep 6, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 12, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 31, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
May 25, 2017	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	May 25, 2017 · Amount on Record
Deed Document Number	20263633149
Prior Transfer Date	Oct 22, 1993
Prior Transfer Doc	1314001958
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 11, 2026
Property Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018
Document Number	0003672988
Instrument Date	Aug 4, 2026
Instrument	20263672988
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018

Mortgage

Document Number	0003672988,
Date	Aug 11, 2026
Instrument	20263672988

Lender

Name	FIRST HORIZON BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Apr 14, 2026
Property Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018
Document Number	0003633149
Instrument Date	Apr 13, 2026
Instrument	20263633149
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	HOMETOWN TITLE AND CLOSING SERVICES, HOMETOWN TITLE & CLOSING SERVI

Transaction

Amount	Amount Recorded
Tax	$509,040.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018

Mortgage

Document Number	0003311590
Date	Sep 6, 2023
Instrument	3311590

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 12, 2020
Property Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018
Document Number	0046601642
Book / Page	004660 / 001642
Instrument Date	Nov 5, 2020
Instrument	2871812
Transaction Type	Transfer
Record Updated	Dec 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	790 MONACO DR PUNTA GORDA FL 339508018, PUNTA GORDA, FL 33950-8018

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018
Document Number	0045240572
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	790 MONACO DR PUNTA GORDA FL 339508018, PUNTA GORDA, FL 33950-8018

Mortgage

Document Number	0045240572
Date	Jan 6, 2020
Book Page	004524/000572
Instrument	2774678

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	May 25, 2017
Property Address	790 MONACO DR, PUNTA GORDA, FL 33950-8018
Document Number	0042021514
Book / Page	004202 / 001514
Instrument Date	May 25, 2017
Instrument	2526406
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	790 MONACO DR PUNTA GORDA FL 339508018, PUNTA GORDA, FL 33950-8018

Mortgage

Document Number	42021516
Date	May 25, 2017
Book Page	004202/001516
Instrument	2526407

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2047

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	$1,856.00 (+5.39%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$508,566 (+5.99%)	$583,730 (-19.22%) Land $198,900 Building $384,830
2024	$1,761.00 (+0.69%)
2023	$1,749.00 (+8.97%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$479,838 (+3%)	$722,614 (+16.56%) Land $210,000 Building $512,614
2022	$1,605.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$465,862	$619,966 Land $144,500 Building $475,466

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ethx Fixed Wireless	500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: BridgeMAXX Suncoast Broadband, Ripple Fiber.

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