CENTURY 21 Edge
$495,0004 bd3.5 ba2,771 sqft$179 /sqft≈$3,441 /mo all-in ↓

3407 ISLAND VIEW DRIVE, PUNTA GORDA, FL, 33950

Active7 days on marketListed Sep 22, 2026MLS #A4706573

Single Family ResidenceBAY SHORE

About this home

3407 ISLAND VIEW DRIVE

Virtually Staged. Rare Multigenerational & Investment Opportunity Await! Discover the flexibility and possibilities of this beautifully updated Punta Gorda property featuring a 3-bedroom, 2.5-bath main home PLUS a private 1-bedroom, 1-bath apartment/ in law suite with separate living quarters and entry. This home features a total of 4 bedrooms, 3.5 baths, and more than 2,700 square feet of living space. Situated on 3 lots totaling approximately .75 acres, with an oversized side yard featuring a shed and car port for additional storage and NO HOA or deed restrictions. Bring your boats & your toys, there is plenty of room to spread out. This is a rare opportunity for buyers seeking space, privacy, flexibility, with the ability to accommodate extended family, guests, or potential rental income. Located just minutes from Downtown Punta Gorda & Fishermans Village with convenient access to I-75 and US 41. Public boat ramp is close by offering world class fishing & boating in the Peace River & Charlotte Harbor. This lusciously landscaped property is full of palm and fruit trees with a beautiful Poinciana at the front entry of the home & a large backyard. The main home features 3 bedrooms & 2.5 bathrooms, with the entire lower level recently refreshed with new drywall, trim, cabinetry, & appliances, creating a clean, updated living environment. The spacious kitchen features new soft-close wood cabinetry with built-ins, quartz countertops, new appliances, & a walk-in pantry. A convenient laundry room, half bath, & garage are located just off the kitchen. Beautiful vinyl wood-look flooring flows throughout the main living areas, including two spacious guest bedrooms & a generously sized primary suite. The primary bathroom features an updated tiled shower. Oversized living & dining rooms provide plenty of room for entertaining, gatherings, & comfortable everyday living. One of the property's most compelling features is the approximately 960-square-foot, two-story attached private living quarters, completed in 2010 and constructed with ICF (Insulated Concrete Forms) for enhanced hurricane protection, energy efficiency, & durability. With its own private entrance, this versatile space provides a level of independence that is ideal for extended family or guests. The apartment's lower level includes a kitchen with cabinets, refrigerator & sink, spacious living/dining area, fireplace, & French doors opening to a paver patio. Upstairs, you'll find a private bedroom & ensuite bathroom. Whether used as an in-law suite, private guest apartment, multigenerational living space, accommodations for guests, home office, or potential rental, this separate living area gives the next owner options that are rarely available in Punta Gorda. Additional improvements include a new roof in 2024, new septic system in 2016 plus new pumps in 2026, updated electrical & air-conditioning systems, fresh paint & more. Outside, the property sits on three lots totaling approximately .75 acres, providing an oversized side yard with room to enjoy the outdoors & additional privacy. NO HOA & NO deed restrictions, buyers have greater flexibility than typically found in many Florida communities. The home is situated on a quaint street with the Peace River canal directly across the street. A nearby public boat ramp provides convenient access to the water, with the Peace River, Charlotte Harbor, and surrounding waterways just minutes away. Schedule your private showing today!

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,771

Sqft

0.75 ac

Lot size

2

Garage

1966

Year built

Two

Levels

$179

Per sqft

FireplaceTrees/Woods & Water viewNegotiablePets allowed

Inside

FlooringTile · Vinyl
AppliancesDishwasher · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · In Kitchen · Inside · Laundry Room · Washer Hookup
CoolingCentral Air · Other
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · ICFs (Insulated Concrete Forms) · Stucco
FoundationBlock · Slab
ViewTrees/Woods · Water
FacesNorth
ParkingBoat · Covered · Driveway · Garage Door Opener
ExteriorFrench Doors · Garden · Hurricane Shutters · Lighting · Private Entrance · Rain Gutters · Sidewalk · Storage

Community & fees

Taxes (2025)$1,779/yr
PetsYes
CommunityBay/Harbor Front · Community Boat Ramp · Fishing · Public Boat Ramp · River · Water Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fire Hydrant · Phone Available · Street Lights · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,441 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,914
FHA mortgage insurance (est.)$219
Property tax — 2025 actual bill$148
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,325Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,325
Interest rate6.00%
Loan term

Estimated payment

$3,441/mo

Principal & interest$2,914
FHA mortgage insurance (est.)$219
Property taxes (actual bill)$148
Est. insurance$160

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.

List $495K
$463KedgeAI estimate $535,599 · range $482K–$589K$613K

vs edgeAI estimate

−7.6%

$/sqft vs Punta Gorda actives

$179 vs $202

Days on market

7 vs 64 typical

Where $179/sqft sits among the 400 Punta Gorda actives

118
148 · this home
60
31
16
27
$116–173$173–231$231–288$288–345$345–403$403+

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 →

The numbers that matter

The Punta Gorda market

Seller’s marketLeans seller — 4.5 months of inventoryBuyer’s market

$345K → $330K

Punta Gorda median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

233 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 41% above the Punta Gorda median. See the full Punta Gorda market guide →

Paper trail

This home's history

Sep 22, 2026Listed at $495,000 · 7 days on market since
1966Built · BAY SHORE

Reality check

What actually sold near 3407 ISLAND VIEW DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

115 PEACE ISLAND DRIVESold · Nov ’25

$160,000

115 PEACE ISLAND DRIVE · same community

3 bd · 3 ba · 1,614 sqft · $99/sqft · 8 DOM

524 BEACH DRIVE NESold · Jan ’26

$4,000,000

524 BEACH DRIVE NE · same community

4 bd · 5.5 ba · 5,217 sqft · $767/sqft · 0 DOM

3119 CARIBBEAN DRIVESold · Jul ’26

$664,000

3119 CARIBBEAN DRIVE

3 bd · 2.5 ba · 2,223 sqft · $299/sqft · 32 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.

Gianfranco Di Flumeri

Your agent

Gianfranco Di Flumeri

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3407 ISLAND VIEW DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3407 ISLAND VIEW DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3407 ISLAND VIEW DRIVE FAQs

What would the monthly payment be for 3407 ISLAND VIEW DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,441/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 3407 ISLAND VIEW DRIVE?+

The most recent tax bill on record (2025) was $1,779. 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 3407 ISLAND VIEW 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 $495,000, this home is listed about 41% above the Punta Gorda median of $349,900. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$495,000 runs 41% above the Punta Gorda median — but at 2,771 sqft it's also 60% larger than the typical Punta Gorda listing.

02Trees/Woods & Water views

The trees/woods and water view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 7 days on market in a Punta Gorda market that averages 64 — if it fits, move quickly.

Listing courtesy of ALLISON JAMES ESTATES & HOMES · Sharadan Edmonds. MLS #A4706573.

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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