2228 HARBOUR DRIVE, PUNTA GORDA, FL, 33983
Active8 days on marketListed Oct 30, 2026MLS #A4711374
About this home
2228 HARBOUR DRIVE
New construction, move-in-ready waterfront home! Situated on 70 feet of saltwater canal frontage in Harbour Heights, this home offers direct, bridge-free sailboat access to the Peace River, Charlotte Harbor, and the Gulf of Mexico. A blank canvas awaits your custom private dock and boat lift. Architectural refinement defines the interior, where soaring 12-foot double-tray ceilings, abundant natural light, and continuous polished tile flooring create an immediate sense of scale and elegance. The open-concept floor plan is anchored by a chef-caliber kitchen featuring custom cabinetry, a waterfall quartz island, premium Bosch appliances, and a dedicated butler's pantry with a wet bar prep sink. Designed with a smart split-bedroom layout, the residence ensures complete privacy with a dedicated guest suite complete with its own ensuite bath. The primary wing serves as a private sanctuary with direct lanai access, dual custom walk-in closets, and a spa-inspired bath featuring a freestanding soaking tub, frameless glass shower, and dual vanities. Outdoors, the expansive covered lanai features a fully equipped summer kitchen, seamlessly extending your living space into the tropical Florida breeze against wide canal backdrops. Built for energy efficiency, low insurance costs, and storm protection with a heavy-duty metal roof, comprehensive impact glass, spray-foam insulation, dual high-efficiency A/C zones, soffit lighting, and an oversized EV-ready garage. Positioned just five minutes from I-75 and moments from historic downtown Punta Gorda, waterfront dining, and local marinas—delivering the ultimate boater’s lifestyle with no HOA or CDD fees. ***One or more photos have been virtually staged.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,643
Sqft
0.33 ac
Lot size
2
Garage
2025
Year built
One
Levels
$397
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.
$7,338 /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
$7,338/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
+71.6%
$/sqft vs HRBR HEIGHTS
$397 vs $222
Days on market
8 vs 65 typical
Where $397/sqft sits among the 23 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
$325K → $340K
Punta Gorda median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
12 of 23
HRBR HEIGHTS have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1135% 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 2228 HARBOUR DRIVE
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$600,000
27300 SAN CARLOS DRIVE · same community
4 bd · 3 ba · 2,596 sqft · $231/sqft · 3 DOM
Sold · Apr ’26$400,000
2341 TALBROOK TERRACE · same community
4 bd · 3 ba · 2,554 sqft · $157/sqft · 76 DOM
Sold · Jul ’26$800,000
3766 PEACE RIVER DRIVE · same community
4 bd · 2 ba · 2,552 sqft · $313/sqft · 104 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2228 HARBOUR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2228 HARBOUR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2228 HARBOUR DRIVE FAQs
What would the monthly payment be for 2228 HARBOUR DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $7,338/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 2228 HARBOUR DRIVE?+
The most recent tax bill on record (2025) was $2,123. 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 2228 HARBOUR DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $1,049,900, this home is listed about 192% 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 2228 HARBOUR DRIVE?+
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
$1,049,900 runs 1135% above the PUNTA GORDA 33983 median — but at 2,643 sqft it's also 48% larger than the typical Punta Gorda listing.
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
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ON THE WATER S · Hanine Jaraiseh. MLS #A4711374.
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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