81 Ocean Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 81 Ocean Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,899 sqft · built 1998
Lot Size	0.227 acres (9,899 sqft)
Owner	Trust Name on File
Last Sale	$681,800 (Mar 2021)
Tax Bill	$10,478 (2025)
Deeds & Mortgages	Aug 2021 Transfer Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`412211329008`

Property Details

APN / Parcel Number

Primary APN	`412211329008`
Alternative APNs	`00930240000007` `10004690332`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,899 sqft Living Area
Gross Area	2,790 sqft
1st Floor Area	1,899 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	9,899 sqft (0.227 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	462 sqft
Driveway	Driveway
Driveway Area	1,072 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	40 sqft
Porch	Raised Porch
Porch Area	429 sqft
Loading Dock	112 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00930240000007
Street Address	81 OCEAN DR
City	PUNTA GORDA
State	FL
Zip	33950-5080
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC4 BLK11 LT39 554/1094 1466/1127 1725/751 DC1857/1705-BKK 2210/780 3838/1807 4737/1550 4831/1048
Legal Range	22E
Legal Township	41S
Legal Section	11
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	11
Legal Lot Number	39
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2001
Census Tract	10401

Owner

81 Ocean Dr is held in a trust since June 2021.

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

Owner of Record	Trust Name on File
Mailing Address	5006 MACON RD, ROCKVILLE, MD 20852-2230
Owner Type	Company
Vesting	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
Aug 30, 2021	Intrafamily Transfer, Transfer
Mar 31, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2021 · Amount on File
Deed Sale	Mar 31, 2021 · Amount on File
Prior Sale	Apr 18, 2003 · Amount on File
Deed Document Number	20212924224
Deed Book / Page	4737 / 1550
Last Transfer Date	Jun 10, 2021
Transfer Doc	0048311048
Record Updated	Sep 20, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Aug 30, 2021
Property Address	81 OCEAN DR, PUNTA GORDA, FL 33950-5080
Document Number	0048311048
Book / Page	4831 / 1048
Map Reference	MB 5 PG 45-A&45-B
Instrument Date	Jun 10, 2021
Instrument	2990966
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	5006 MACON RD, ROCKVILLE, MD 20852-2230

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Mar 31, 2021
Property Address	81 OCEAN DR, PUNTA GORDA, FL 33950-5080
Document Number	0047371550
Book / Page	4737 / 1550
Map Reference	MB 5 PG 45-A&45-B
Instrument Date	Mar 19, 2021
Instrument	2924224
Transaction Type	Transfer
Record Updated	Feb 7, 2022
Title Company	BURNT STORE TITLE LLC, BURNT STORE T&E LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,772.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3835 CARUPANO CT, 3835, PUNTA GORDA, FL 33950-8126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5006 MACON RD, NORTH BETHESDA, MD 20852-2230

Mortgage

Document Number	0047371552
Date	Mar 31, 2021
Instrument	4737/1552

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.3%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.3%
Index	Other
Margin	3
Max Rate	7.3%

Tax Assessment & Valuation

The 2025 property tax bill for 81 Ocean Dr was $10,478, down 22.6% 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	$10,478.00 (-22.63%)	$630,523 Land $372,300 Building $258,223	$630,523 Land $372,300 Building $258,223
2024	$13,542.00 (+4.77%)
2023	$12,925.00 (+15.11%)	$659,712 (+1%)	$728,739 (+21.51%) Land $438,000 Building $290,739
2022	$11,228.00	$599,738 Land $310,250 Building $289,488	$599,738 Land $310,250 Building $289,488

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

Flood

FEMA maps place 81 Ocean 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 436 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1,147 units insured incl. 711 condo units
Nearby Flood Claims	242 (1982–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 140 claims Hurricane Helene, Sep 2024 · 43 claims Tropical Storm Bonnie And Hurricane Charley, Aug 2004 · 19 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

The area around 81 Ocean Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 364 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
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Blue Stream.

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