
1245 WINWARD COURT, PUNTA GORDA, FL, 33950
Active Under Contract8 days on marketListed Oct 27, 2026MLS #A4710025
About this home
1245 WINWARD COURT
Under contract-accepting backup offers. Picture your mornings starting on your own dock, coffee in hand, with the boat already up on its 10,000 lb lift and Charlotte Harbor just a cruise away. This 3-bedroom, 2-bath saltwater canal pool home sits on a corner lot in Punta Gorda Isles, with Gulf access and only one fixed bridge between your backyard and open water. A 40-foot concrete seawall lines the canal, so a day of fishing, a sunset cruise, or lunch by boat is always just a few steps from the back door. Inside, the single-story layout keeps life easy and connected. An open floor plan flows from the living room straight through sliders to the lanai, so the pool and canal stay in view whether you’re hosting friends or settling in for a quiet evening. A living/dining combination and a separate dinette give you room for both relaxed breakfasts and longer dinners, and the galley kitchen comes with its closet pantry and every appliance included. New ceiling fans and plantation shutters throughout add comfort and polish, while ceramic and porcelain tile keeps things cool and low-maintenance from room to room. A split bedroom plan gives the primary suite its own quiet wing, finished with a California Closets system and a private en-suite bath. Two guest bedrooms share the second full bath on the opposite side of the home. Step outside and the home really comes into its own. The heated, private gunite pool has been resurfaced in PebbleTec and refreshed with new decking and a new pump, all wrapped in a new screened enclosure. The covered, screened lanai stretches along the back of the house with room to dine, lounge, and watch the boats glide by, and the fenced back yard adds private green space beyond the cage. A laundry room with built-in shelving (washer and dryer stay) connects to an oversized side-entry two-car garage with plenty of room for fishing gear, kayaks, and beach chairs. The major items are already handled: a metal roof installed in June 2023, a whole-home tankless water heater installed in February 2025 for endless hot water, an A/C blower replaced in September 2025, a RainSoft water treatment system that conveys, and generator hookups on the side of the house. Life in Punta Gorda Isles means one of Southwest Florida’s most celebrated boating communities, with no mandatory HOA (just an optional PGI civic association at about $100 per year). Historic downtown Punta Gorda is minutes away for dining and events, along with Fishermen’s Village, the waterfront shopping, dining, and full-service marina destination on Charlotte Harbor. The Harborwalk connects it all along the water, winding through Gilchrist Park and Laishley Park past fishing piers and wide-open harbor views, perfect for a morning walk or an evening bike ride. Punta Gorda Airport and I-75 are close by, and schools include Sallie Jones Elementary, Punta Gorda Middle, and Charlotte High. Cash, conventional, FHA, and VA financing are accepted. A Gulf-access canal home with a lift, a heated pool, and the big updates done is a rare find in PGI at $649,900. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,748
Sqft
0.32 ac
Lot size
2
Garage
1974
Year built
One
Levels
$372
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.
$4,895 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$4,895/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.
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
+11.5%
$/sqft vs PUNTA GORDA ISLES SEC 14
$372 vs $381
Days on market
8 vs 65 typical
Where $372/sqft sits among the 30 homes for sale in PUNTA GORDA ISLES SEC 14
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 Isles
Get to know Punta Gorda. See the full Punta Gorda guide →
Punta Gorda Isles — neighborhood snapshot
Population
10,022
Median age
67
Median income
$107,800
Median home value
$636,862
Avg household
2
Households w/ children
293
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)
16 of 30
PUNTA GORDA ISLES SEC 14 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 120% 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 1245 WINWARD COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$595,000
1200 WINWARD COURT · same community
3 bd · 2 ba · 1,738 sqft · $342/sqft · 64 DOM
Sold · Jun ’26$435,000
944 GENOA COURT · same community
2 bd · 2 ba · 1,699 sqft · $256/sqft · 85 DOM
Sold · Feb ’26$650,000
1428 KITTIWAKE DRIVE · same community
3 bd · 2 ba · 1,802 sqft · $361/sqft · 22 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 1245 WINWARD COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1245 WINWARD COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1245 WINWARD COURT FAQs
What would the monthly payment be for 1245 WINWARD COURT?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,895/mo — principal and interest, the actual property-tax bill, the $8/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 1245 WINWARD COURT?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1245 WINWARD COURT?+
The most recent tax bill on record (2025) was $4,719. 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 1245 WINWARD COURT?+
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 $649,900, this home is listed about 81% above the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1245 WINWARD COURT?+
Sallie Jones Elementary School (elementary), Charlotte High School (high), Punta Gorda Middle School (middle) — 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
$649,900 runs 120% 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.
03Strong assigned schools
Sallie Jones Elementary School, Charlotte High School, Punta Gorda Middle School — Sallie Jones Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Traci Bolen. MLS #A4710025.
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 1245 WINWARD COURT 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 Zack to ping you on any price or status change →


