11186 BLACK WILLOW WAY, PUNTA GORDA, FL, 33955
Active25 days on marketListed Oct 13, 2026MLS #A4709382
About this home
11186 BLACK WILLOW WAY
Under Construction. Discover the enchanting community of Willow in Punta Gorda, where resort-style amenities and curated events meet effortless coastal living just minutes from Charlotte Harbor. This new single-story home is designed for easy, efficient living with a smart layout that keeps daily life flowing naturally. The open Great Room connects seamlessly to the kitchen and dining area, ideal for both relaxed evenings and casual entertaining alongside an inviting outdoor lanai. A private owner's suite with a walk-in closet and private bathroom anchors one end of the home, while a second bedroom and study offer flexible space for guests and residents off the foyer. Prices, dimensions and features may vary and are subject to change. Photos are for illustrative purposes only. Estimated delivery date is Feb/Mar 2027.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,564
Sqft
0.05 ac
Lot size
2
Garage
2026
Year built
One
Levels
$176
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 and the real association fee — not generic estimates.
$2,422 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,674/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+7.6%
$/sqft vs Punta Gorda actives
$176 vs $208
Days on market
25 vs 65 typical
Where $176/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 33955 — neighborhood snapshot
Population
10,503
Median age
64.4
Median income
$76,733
Median home value
$321,500
Avg household
1.98
Households w/ children
623
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
$325K → $340K
Punta Gorda median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
172 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 510% 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 11186 BLACK WILLOW WAY
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$81,000
15420 OLIVE CIRCLE
2 bd · 2 ba · 1,566 sqft · $52/sqft · 29 DOM
Sold · Sep ’26$415,000
12076 BORAX AVENUE
3 bd · 2 ba · 1,600 sqft · $259/sqft · 3 DOM
Sold · Feb ’26$138,000
27345 GREEN GULF BOULEVARD
2 bd · 1 ba · 1,479 sqft · $93/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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11186 BLACK WILLOW WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11186 BLACK WILLOW WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11186 BLACK WILLOW WAY FAQs
What would the monthly payment be for 11186 BLACK WILLOW WAY?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,422/mo — principal and interest, estimated property taxes, the $256/mo association fee 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.
How much are the HOA fees at 11186 BLACK WILLOW WAY?+
The association fee works out to $256 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11186 BLACK WILLOW WAY?+
The most recent tax bill on record (2025) was $0. 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 11186 BLACK WILLOW WAY?+
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 $274,499, this home is listed about 24% below the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 11186 BLACK WILLOW WAY?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LENNAR REALTY INC · Jessica Martin. MLS #A4709382.
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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