12438 POEM AVENUE, PUNTA GORDA, FL, 33955
Active197 days on marketListed Jan 26, 2026MLS #A4679808
About this home
12438 POEM AVENUE
Move-in ready Punta Gorda home with a HUGE backyard and major updates already done - and no flood insurance currently required! This well-maintained home offers peace of mind with a newer roof (2018), updated plumbing, newer AC system, and condenser, and a new well pump. The kitchen features stainless steel appliances, including a brand-new refrigerator (2025), plus updated sink, faucet, microwave, and dishwasher. Recent improvements include popcorn ceiling removal in the kitchen and living room, a deep clean throughout, and an updated second bathroom. The oversized backyard provides plenty of room for entertaining, pets, gardening, or a future pool. Conveniently located in Punta Gorda, close to shopping, dining, and everyday amenities. A solid home with smart upgrades and space to enjoy Florida living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,084
Sqft
0.37 ac
Lot size
1975
Year built
One
Levels
$198
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,709 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,709/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−6.1%
$/sqft vs TROP G A
$198 vs $246
Days on market
197 vs 62 typical
Where $198/sqft sits among the 15 homes for sale in TROP G A
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Tropical Gulf Acres
Get to know Punta Gorda. See the full Punta Gorda guide →
Tropical Gulf Acres — neighborhood snapshot
Population
1,094
Median age
60
Median income
$64,964
Median home value
$246,900
Avg household
2
Households w/ children
131
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$345K → $345K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
6 of 15
TROP G A have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 424% above the PUNTA GORDA 33955 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 12438 POEM AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$235,000
27141 ALHAMBRA DRIVE · same community
2 bd · 2 ba · 1,120 sqft · $210/sqft · 11 DOM
Sold · Mar ’26$264,000
27403 TREADMILL DRIVE · same community
3 bd · 2 ba · 1,184 sqft · $223/sqft · 43 DOM
Sold · Feb ’26$245,000
27508 HOLLYWOOD DRIVE · same community
2 bd · 1.5 ba · 962 sqft · $255/sqft · 92 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 12438 POEM AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12438 POEM AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12438 POEM AVENUE FAQs
What would the monthly payment be for 12438 POEM AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,709/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 12438 POEM AVENUE?+
The most recent tax bill on record (2025) was $2,263. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12438 POEM AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Punta Gorda?+
At $215,000, this home is listed about 37% below the Punta Gorda median of $339,094. The market section on this page shows how the area is trending.
Which schools are assigned to 12438 POEM AVENUE?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$215,000 runs 424% above the PUNTA GORDA 33955 median.
02Time on market is leverage
197 days on market against a Punta Gorda median of 62 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $225,000, now $215,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Melodie Hagopian. MLS #A4679808.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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