3004 BANYAN WAY, PUNTA GORDA, FL, 33950
Active699 days on marketListed Dec 8, 2024MLS #C7501706
About this home
3004 BANYAN WAY
Welcome to your own slice of paradise in beautiful Punta Gorda, Florida! This fully furnished 3-bedroom, 2-bath home offers the perfect blend of comfort, privacy, and Florida waterfront living. Situated on an impressive 10,419-square-foot lot at the end of a quiet cul-de-sac, this property features a jacuzzi, a two-car garage, and a beautiful brackish-water canal with access leading out to the ocean. Enjoy peaceful canal views, relaxing evenings in the jacuzzi, and the ultimate Florida lifestyle right in your backyard. With impact-resistant doors and windows for added protection and peace of mind, this home is ready for you to move right in and start enjoying paradise. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this Punta Gorda gem is a must-see! Motivated Seller.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,522
Sqft
0.24 ac
Lot size
2
Garage
1989
Year built
One
Levels
$341
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.
$4,419 /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
$4,419/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.
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
+28.8%
$/sqft vs CHARLOTTE PARK
$341 vs $217
Days on market
699 vs 65 typical
Where $341/sqft sits among the 8 homes for sale in CHARLOTTE PARK
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 33950 — neighborhood snapshot
Population
24,955
Median age
65.4
Median income
$76,369
Median home value
$433,800
Avg household
1.95
Households w/ children
1,551
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)
6 of 8
CHARLOTTE PARK have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 76% 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 3004 BANYAN WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$340,000
3000 BANYAN WAY · same community
3 bd · 2 ba · 1,532 sqft · $222/sqft · 65 DOM
Sold · Dec ’25$320,000
3100 MAGNOLIA WAY · same community
2 bd · 2 ba · 1,512 sqft · $212/sqft · 58 DOM
Sold · Aug ’26$297,500
621 STURGEON PLACE · same community
2 bd · 2 ba · 1,600 sqft · $186/sqft · 151 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3004 BANYAN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3004 BANYAN WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3004 BANYAN WAY FAQs
What would the monthly payment be for 3004 BANYAN WAY?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,419/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 3004 BANYAN WAY?+
The most recent tax bill on record (2023) was $5,591. 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 $519,000, this home is listed about 45% 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 3004 BANYAN WAY?+
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
Five things that matter here
01Positioned at the premium end
$519,000 runs 76% 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.
03Time on market is leverage
699 days on market against a Punta Gorda median of 65 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $595,000, now $519,000 — a $76K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HERO REAL ESTATE & CO. · Gladys Aguiar. MLS #C7501706.
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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