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Single Family ResidenceResidential
$903,810$399 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $990,000 on Jan 16, 2025

1238 RIDING ROCKS LN

PUNTA GORDA, FL 33950
4
Beds
3
Baths
2,267 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
2023
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$904K
$729K low$1.1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$990,000 · Jan 16, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$313,810
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$251,048
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.65%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$590,000
TRUIST BANK · recorded Jan 16, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$12,561 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$709,520 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$645,018
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$808,945

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.87 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.99%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCharlotte
Lot (acres)The size of the land the home sits on, from county records.0.23
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Mat/Raft Foundation (Slab)
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Sprinklers

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Sallie Jones Elementary SchoolA-
Elementary · Grades PK–5 · 1.2 mi
H
Charlotte High SchoolC
High · Grades 9–12 · 1.4 mi
M
Punta Gorda Middle SchoolC-
Middle · Grades 6–8 · 1.6 mi

District: Charlotte County School District

Neighborhood · ZIP 33950These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.26,173
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.749 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,603
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,416
Average tempThe average temperature here across a full year.74°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1238 Riding Rocks Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 97% of homes in Charlotte County
  • Costs more per square foot than 96% of homes in Charlotte County
  • Bigger than 86% of homes in Charlotte County
  • Has a bigger lot than 71% of homes in Punta Gorda 33950
  • Newer than 98% of homes in Punta Gorda Isles

What homes are worth in Punta Gorda 33950

Each bar is how many homes fall in that price range. The marker is this home.

This home
$116K$1.3M

This home is worth more than 91% of homes in Punta Gorda 33950.

How it measures up in Punta Gorda 33950

The dot is this home. The mark in the middle is the typical home in Punta Gorda 33950.

Estimated value$903,810
CheaperTypical $427,960Pricier

Pricier than 91% of homes nearby

Price per ft²$399
CheaperTypical $239Pricier

Pricier than 93% of homes nearby

Living area2,267 ft²
SmallerTypical 1,758 ft²Bigger

Bigger than 77% of homes nearby

Lot size0.23 ac
SmallerTypical 0.22 acBigger

Bigger than 71% of homes nearby

Year built2023
OlderTypical 1994Newer

Newer than 98% of homes nearby

How 1238 Riding Rocks Ln ranks against every home in each area.
MeasureThis homePunta Gorda IslesPunta Gorda 33950Charlotte County
Estimated valuepricier than$903,81088% of homes91% of homes97% of homes
Price per ft²pricier than$39991% of homes93% of homes96% of homes
Living areabigger than2,267 ft²69% of homes77% of homes86% of homes
Lot sizebigger than0.23 ac70% of homes71% of homes65% of homes
Year builtnewer than202398% of homes98% of homes92% of homes

About 1238 Riding Rocks Ln

How much is 1238 Riding Rocks Ln, Punta Gorda, FL worth?

The TopHap Estimate for 1238 Riding Rocks Ln, Punta Gorda, FL is $903,810 as of Jul 14, 2026. The likely range is $729,184 to $1,078,436. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1238 Riding Rocks Ln, Punta Gorda, FL last sell?

1238 Riding Rocks Ln, Punta Gorda, FL last sold on Jan 16, 2025 for $990,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 1238 Riding Rocks Ln, Punta Gorda, FL?

1238 Riding Rocks Ln, Punta Gorda, FL has 4 bedrooms, 3 bathrooms, 2,267 square feet of living space and a 0.23-acre lot.

When was 1238 Riding Rocks Ln, Punta Gorda, FL built?

1238 Riding Rocks Ln, Punta Gorda, FL was built in 2023, making it 3 years old. The building has 1 story.

What schools serve 1238 Riding Rocks Ln, Punta Gorda, FL?

1238 Riding Rocks Ln, Punta Gorda, FL is assigned to Sallie Jones Elementary School (elementary), rated A-; Charlotte High School (high), rated C; Punta Gorda Middle School (middle), rated C-. All sit in Charlotte County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1238 Riding Rocks Ln, Punta Gorda, FL compare to other homes in Punta Gorda 33950?

Among the 15,718 homes in Punta Gorda 33950, it is worth more than 91% of them ($903,810 against a typical $427,960), its price per square foot is higher than 93% of them ($399 against a typical $239), it is bigger than 77% of them (2,267 ft² against a typical 1,758 ft²), its lot is bigger than 71% of them (0.23 ac against a typical 0.22 ac) and it is newer than 98% of them (2023 against a typical 1994). Measured against all of Charlotte County, it is worth more than 97% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1238 Riding Rocks Ln, Punta Gorda, FL?

The 2025 property tax bill for 1238 Riding Rocks Ln, Punta Gorda, FL was $12,561. The county assessed it at $709,520.

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Assigned schools

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