800 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 800 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,647 sqft · built 1988
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,614 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`412329256005`

Property Details

APN / Parcel Number

Primary APN	`412329256005`
Alternative APNs	`00952601901003` `10004711593`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,647 sqft Living Area
Gross Area	3,534 sqft
1st Floor Area	2,647 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	16,117 sqft (0.37 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	506 sqft
Driveway	Driveway
Driveway Area	1 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	702 sqft
Porch	Raised Porch
Porch Area	381 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601901003
Street Address	800 MONACO DR
City	PUNTA GORDA
State	FL
Zip	33950-8019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC15 BLK282 LT21 852/1789 934/1786 970/1495CD2612/962
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	282
Legal Lot Number	21
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2020
Census Tract	10405

Owner

800 Monaco Dr is owned and occupied by two individuals who acquired it in December 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	800 MONACO DR, PUNTA GORDA, FL 33950-8019
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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
Nov 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jan 28, 2020	Deed of Trust, Mortgage · Line of Credit TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 30, 2004
Transfer Doc	0026120962
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	800 MONACO DR, PUNTA GORDA, FL 33950-8019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043802107
Date	Nov 20, 2018
Book Page	4380/2107
Instrument	2663283

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	800 MONACO DR, PUNTA GORDA, FL 33950-8019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044990611
Date	Oct 30, 2019
Book Page	4499/0611
Instrument	2755982

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	163 Months
Due	May 17, 2033

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	800 MONACO DR, PUNTA GORDA, FL 33950-8019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045320515
Date	Jan 28, 2020
Book Page	4532/0515
Instrument	2780891

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 800 Monaco Dr was $5,614 with a homeowner's exemption, down 13.6% 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	$5,614.00 (-13.56%) Homeowner's exemption	$378,809	$587,672 Land $198,900 Building $388,772
2024	$6,495.00 (+1.36%)
2023	$6,408.00 (+4.4%) Homeowner's exemption	$357,411 (+3%)	$577,848 (+6.6%) Land $210,000 Building $367,848
2022	$6,138.00 Homeowner's exemption	$347,001	$542,048 Land $144,500 Building $397,548

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

Flood

FEMA maps place 800 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 800 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 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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