
3242 CARDIFF ST, PUNTA GORDA, FL, 33983
Active53 days on marketListed Jul 29, 2026MLS #A4701474
About this home
3242 CARDIFF ST
Welcome home to Harbor Heights! This charming 3-bedroom, 2-bathhome offers the space, updates, and outdoor living you’ve been looking for—plus plenty of room to make it your own. With a 2021 roof, city water, and a newer septic system installed in 2013, some of the big-ticket items are already taken care of. Step inside to a bright, open-concept living space designed for everyday living and easy entertaining. The updated kitchen features beautiful wood cabinetry, granite countertops, and stainless steel appliances, with the kitchen opening directly to the dining and living areas so everyone stays connected. The appliances are approximately 4 years old. French doors open to the screened-in lanai, extending your living space outdoors and creating the perfect spot for morning coffee, an evening glass of wine, or simply enjoying Florida’s year-round lifestyle. And the backyard is where this home really shines! The large, fully fenced yard offers plenty of room for kids, pets, play, gardening, or backyard gatherings. A 12' x 25' concrete patio is ready for grilling and entertaining, while the impressive 24' x 12' electrically wired shed provides a fantastic bonus space for storage, a workshop, hobbies, projects, or even a dedicated workspace. The spacious primary suite features a walk-in closet and private bath with generous counter space. An interior laundry room with utility sink adds everyday convenience, with the flexibility to relocate the laundry to the garage if desired. Additional updates include exterior paint approximately 4 years ago and overhead plumbing approximately 1 year old. Ideally located near Deep Creek Elementary School and I-75, this home offers easy access to everyday conveniences and commuting routes while giving you the space to truly enjoy life at home. Whether you’re looking for room to grow, a fantastic fenced yard for the kids and pets, space to entertain, or a home with a workshop/storage area, this Harbor Heights gem deserves a look!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,490
Sqft
0.23 ac
Lot size
2
Garage
1983
Year built
One
Levels
$195
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.
$2,290 /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
$2,290/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
+6.7%
$/sqft vs HRBR HEIGHTS
$195 vs $236
Days on market
53 vs 63 typical
Where $195/sqft sits among the 28 homes for sale in HRBR HEIGHTS
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 33983 — neighborhood snapshot
Population
18,230
Median age
56.6
Median income
$67,705
Median home value
$324,100
Avg household
2.31
Households w/ children
1,552
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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
17 of 28
HRBR HEIGHTS have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 226% above the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 3242 CARDIFF ST
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$284,500
3055 CATALINA COURT · same community
3 bd · 2 ba · 1,560 sqft · $182/sqft · 139 DOM
Sold · Oct ’25$440,000
27385 NEAPTIDE DRIVE · same community
3 bd · 2 ba · 1,408 sqft · $313/sqft · 203 DOM
Sold · Apr ’26$220,000
3172 TREVINO TERRACE · same community
3 bd · 2 ba · 1,310 sqft · $168/sqft · 11 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 3242 CARDIFF ST — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3242 CARDIFF ST — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3242 CARDIFF ST FAQs
What would the monthly payment be for 3242 CARDIFF ST?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,290/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 3242 CARDIFF ST?+
The most recent tax bill on record (2025) was $3,539. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Punta Gorda?+
At $289,900, this home is listed about 15% 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 3242 CARDIFF ST?+
Deep Creek Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — 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
$289,900 runs 226% above the PUNTA GORDA 33983 median.
02Strong assigned schools
Deep Creek Elementary School, Punta Gorda Middle School, Charlotte High School — Deep Creek Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $294,900, now $289,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTYTEAM.COM, INC. · Kim Simone, P.A.. MLS #A4701474.
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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