829 Monaco Dr, Punta Gorda, FL 33950 Property Records

Charlotte County property record for 829 Monaco Dr, Punta Gorda, FL 33950

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,011 sqft · built 1987
Lot Size	0.253 acres (11,006 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,364 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Nov 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`412329251011`

Property Details

APN / Parcel Number

Primary APN	`412329251011`
Alternative APNs	`00952601926308` `10004711568`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,011 sqft Living Area
Gross Area	2,994 sqft
1st Floor Area	2,011 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	11,006 sqft (0.253 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	480 sqft
Porch	Enclosed/Screened Porch
Porch Area	477 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	00952601926308
Street Address	829 MONACO DR
City	PUNTA GORDA
State	FL
Zip	33950-8020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	GS-3.5
Legal Description	PUNTA GORDA ISLES SEC15 BLK283 LT 3 629/109 803/1328 DC3491/2095-PMP PR12-1460-DP LOA3693/102 ODH3752/656 AFF4803/1391 AFF4500/873 4500/868
Legal Range	23E
Legal Township	41S
Legal Section	29
Legal Subdivision	PUNTA GORDA ISLES
Legal Tract	PGI
Legal Block	283
Legal Lot Number	3
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 November 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	829 MONACO DR, PUNTA GORDA, FL 33950-8020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2020	Deed of Trust, Mortgage · Line of Credit CITIBANK NA
Nov 1, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 14, 2019
Transfer Doc	0045000868
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	829 MONACO DR, PUNTA GORDA, FL 33950-8020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 MONACO DR, PUNTA GORDA, FL 33950-8020

Mortgage

Document Number	0046351163
Date	Sep 23, 2020
Book Page	4635/1163
Instrument	2854541

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Nov 1, 2019
Property Address	829 MONACO DR, PUNTA GORDA, FL 33950-8020
Document Number	0045000868
Book / Page	004500 / 000868
Instrument Date	Oct 14, 2019
Instrument	2756905
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 N LONG BEACH RD ROCKVILLE CENTRE NY 115703119, ROCKVILLE CENTRE, NY 11570-3119

Tax Assessment & Valuation

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	$5,364.00 (-4.78%) Homeowner's exemption	$363,811 (+16.69%) Land $97,750 Building $266,061	$363,811 (+10.96%) Land $97,750 Building $266,061
2024	$5,633.00 (+2.74%)
2023	$5,483.00 (+12.89%)	$311,784 (+1%)	$327,887 (+15.68%) Land $100,000 Building $227,887
2022	$4,857.00	$283,440 Land $76,500 Building $206,940	$283,440 Land $76,500 Building $206,940

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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