731 ELDORADO DRIVE, PUNTA GORDA, FL, 33950
Active158 days on marketListed Feb 16, 2026MLS #A4682712
About this home
731 ELDORADO DRIVE
Punta Gorda waterfront with deep sailboat access and no HOA. Built in 2016 with hurricane-grade construction, this 3-bedroom, 2-bath home sits on 100 feet of frontage along the Eldorado Waterway, about 12 minutes by boat to open Charlotte Harbor with no fixed bridges. The 3-year-old concrete dock has a covered boat lift and is ready for your boat the day you close. The house is 1,971 square feet under air with a 4-car oversized tandem garage (35x30) that includes a dedicated workshop and pass-through doors front to back. Classic-car owners, hobbyists, and contractors will know exactly what they're looking at. A standard two-car garage doesn't exist for this kind of buyer. This one does. Inside: tray and coffered ceilings, crown molding, porcelain tile, and full hurricane shutters. The home sits at one of the highest elevations in the area and has never had water intrusion, including through Hurricane Ian. Transferable flood insurance is $1,401 per year, verifiable on the policy. That's a number worth comparing to anything else you're touring on the water. The community is Riviera Lagoons, a small no-HOA, no-CDD, no-deed-restriction enclave between Punta Gorda Isles and Burnt Store. You can park a boat trailer, an RV, or a work truck without filing a request. Schools: Sallie Jones Elementary, Punta Gorda Middle, Charlotte High.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,971
Sqft
0.22 ac
Lot size
4
Garage
2016
Year built
One
Levels
$365
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.
$4,960 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,960/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+47.7%
$/sqft vs Punta Gorda actives
$365 vs $208
Days on market
158 vs 59 typical
Where $365/sqft sits among the 400 Punta Gorda actives
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 Punta Gorda
Get to know Punta Gorda. See the full Punta Gorda guide →
PUNTA GORDA 33950 — neighborhood snapshot
Population
24,492
Median age
64.6
Median income
$74,484
Median home value
$393,500
Avg household
1.98
Households w/ children
1,614
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
95.0%
Sale-to-list ratio (12 mo)
180 of 400
Punta Gorda actives have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 162% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 731 ELDORADO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$270,000
605 TAHITI COURT · same community
3 bd · 3 ba · 2,108 sqft · $128/sqft · 47 DOM
Sold · Mar ’26$395,000
3825 BARNEGAT DRIVE · same community
3 bd · 2 ba · 1,778 sqft · $222/sqft · 241 DOM
Sold · Feb ’26$335,000
302 SINGAPORE RD · same community
2 bd · 2 ba · 1,414 sqft · $237/sqft · 5 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 731 ELDORADO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 731 ELDORADO DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
731 ELDORADO DRIVE FAQs
What would the monthly payment be for 731 ELDORADO DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,960/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 731 ELDORADO DRIVE?+
The most recent tax bill on record (2025) was $7,743. 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 731 ELDORADO DRIVE?+
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 $719,900, this home is listed about 109% above the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 731 ELDORADO DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$719,900 runs 162% above the PUNTA GORDA 33950 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
158 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $784,900, now $719,900 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Jessica Dunnam. MLS #A4682712.
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.
Never miss a listing
New Punta Gorda homes, in your inbox
Like 731 ELDORADO DRIVE but not quite? A daily digest of every new listing in Punta Gorda — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Arlinda to ping you on any price or status change →