818 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 818 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,840 sqft · built 2000
Lot Size	0.224 acres (9,773 sqft)
Owner	Trust Name on File
Last Sale	$1,360,000 (Jul 2022)
Tax Bill	$16,190 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`412329256008`

Property Details

APN / Parcel Number

Primary APN	`412329256008`
Alternative APNs	`00952601904000` `10004711596`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,840 sqft Living Area
Gross Area	4,676 sqft
Upper Floors Area	1,077 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2003
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Tile
Lot Area	9,773 sqft (0.224 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	440 sqft
Driveway	Driveway
Driveway Area	1,519 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	384 sqft
Porch	Raised Porch
Porch Area	369 sqft
Deck Area	27 sqft
Patio Area	27 sqft
Loading Dock	476 sqft
Lawn Sprinklers	Lawn Sprinklers
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601904000
Street Address	818 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 LT 24 837/1662/73 1006/17 1119/1801 1580/1610 3223/807 3587/547 CD3589/467 4014/1742 4783/62 5023/1527
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	282
Legal Lot Number	24
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	2
Census Block	2020
Census Tract	10405

Owner

818 Monaco Dr is held in a trust since July 2022.

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

Owner of Record	Trust Name on File
Mailing Address	441 SKYLAND DR, BELLBROOK, OH 45305-8722
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
Jul 25, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Jun 10, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2022 · Amount on File
Deed Sale	Jul 25, 2022 · Amount on File
Prior Sale	Jun 10, 2021 · Amount on File
Deed Document Number	20223131782
Deed Book / Page	5023 / 1527
Prior Transfer Date	May 26, 2011
Prior Transfer Doc	0035870547
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 25, 2022
Property Address	818 MONACO DR, PUNTA GORDA, FL 33950-8019
Document Number	0050231527
Book / Page	5023 / 1527
Map Reference	MB 8 PG 20
Instrument Date	Jun 15, 2022
Instrument	3131782
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1146 TOWNSHIP ROAD 46 N, 1146, BELLEFONTAINE, OH 43311-9334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SKYLAND DR, BELLBROOK, OH 45305-8722
Investor	Possibly a Property Investor

Mortgage

Document Number	0050231529
Date	Jul 25, 2022
Instrument	5023/1529

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jun 10, 2021
Property Address	818 MONACO DR, PUNTA GORDA, FL 33950-8019
Document Number	0047830062
Book / Page	4783 / 62
Map Reference	MB 8 PG 20
Instrument Date	Jun 7, 2021
Instrument	2957029
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$6,552.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	818 MONACO DR, 818, PUNTA GORDA, FL 33950-8019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 TOWNSHIP ROAD 46 N, BELLEFONTAINE, OH 43311-9334

Tax Assessment & Valuation

The 2025 property tax bill for 818 Monaco Dr was $16,190, down 18% 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	$16,190.00 (-18.02%)	$974,255 Land $267,750 Building $706,505	$974,255 Land $267,750 Building $706,505
2024	$19,748.00 (-5.55%)
2023	$20,909.00 (+19.45%)	$1,168,127 (+20.46%)	$1,041,111 (+7.36%) Land $305,000 Building $736,111
2022	$17,504.00	$969,760 Land $236,300 Building $733,460	$969,760 Land $236,300 Building $733,460

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

Flood

FEMA maps place 818 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 818 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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