4000 BAL HARBOR BOULEVARD UNIT 124, PUNTA GORDA, FL, 33950
Active484 days on marketListed Apr 14, 2025MLS #C7508464
About this home
4000 BAL HARBOR BOULEVARD UNIT 124
TURNKEY READY - Second Floor Waterfront 2 bedrooms, 2 bath condo is located in the waterfront community of Spinnaker Point in Punta Gorda Isles and has quick access to beautiful Charlotte Harbor and then on to the blue waters of the Gulf of America. Boat slips are available on a first come, first served basis, and you are just across the street from St. Andrews Golf Course. Enjoy breathtaking views from your lanai of the waterway and watch the waterfowl and wildlife that abound in this area. This residence has a bright and open floor plan with recessed lighting, decorator light and fan fixtures, decorative cornice at each window, mix of tile and plush carpeting, and sliders in the living area and master bedroom leading to the balcony. Open up the sliders and bring the outdoors into your living area for a true Florida atmosphere! The kitchen is equipped a suite of modern appliances, raised panel wood cabinetry, granite counters with subway tile back splash, pantry, and breakfast bar that opens to the main living area for easy entertaining. The owner’s suite with a large walk-in closet has an updated en suite bath featuring a walk-in shower with sliding frameless glass doors. The guest bedroom has a spacious built-in closet and access to a full bathroom. Other key features include dedicated laundry room with washer & dryer, new roof 2023, A/C is 2019 and Water Heater is 2021, storage closet off the balcony, and water & sewer included in your Condo fee! Spinnaker Point offers beautifully maintained grounds, tennis courts, and heated community pool for year-round enjoyment overlooking the beautiful waterway. Proximity to local beaches, dining, shopping, and golf courses makes this property ideal for the Florida lifestyle. Also, easy access to waterfront public parks with bike and walking trails and picnic areas, and boat ramps providing access to many other waterways including the Peace and Myakka Rivers and the Gulf of Mexico. Historic downtown Punta Gorda and popular Fishermen’s Village with quaint shops and cafes nearby. Perfect location – quiet waterfront community yet all conveniences and amenities nearby. And quick and easy access to Interstate 75 with Fort Myers and Naples to the South and Sarasota and Tampa to the North. So, don’t miss your opportunity to enjoy. **PLEASE ENJOY THE 3D INTERACTIVE VIRTUAL TOUR ASSOCIATED WITH THIS LISTING**
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,110
Sqft
0.03 ac
Lot size
1989
Year built
One
Levels
$194
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.
$1,858 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$1,858/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.
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
+0.5%
$/sqft vs Punta Gorda actives
$194 vs $206
Days on market
484 vs 62 typical
Where $194/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 Isles
Get to know Punta Gorda. See the full Punta Gorda guide →
Punta Gorda Isles — neighborhood snapshot
Population
10,031
Median age
68
Median income
$97,109
Median home value
$574,467
Avg household
2
Households w/ children
287
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
$345K → $345K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
197 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 19% below the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 4000 BAL HARBOR BOULEVARD UNIT 124
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$200,000
4000 BAL HARBOR BOULEVARD UNIT 126 · same community
2 bd · 2 ba · 1,110 sqft · $180/sqft · 38 DOM
Sold · May ’26$267,500
4000 BAL HARBOR BOULEVARD UNIT 127 · same community
3 bd · 2 ba · 1,682 sqft · $159/sqft · 261 DOM
Sold · Feb ’26$370,000
5464 RIVER BAY DRIVE
2 bd · 2 ba · 1,152 sqft · $321/sqft · 24 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4000 BAL HARBOR BOULEVARD UNIT 124 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4000 BAL HARBOR BOULEVARD UNIT 124 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4000 BAL HARBOR BOULEVARD UNIT 124 FAQs
What would the monthly payment be for 4000 BAL HARBOR BOULEVARD UNIT 124?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,858/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 4000 BAL HARBOR BOULEVARD UNIT 124?+
The most recent tax bill on record (2024) was $4,046. 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 4000 BAL HARBOR BOULEVARD UNIT 124?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $215,000, this home is listed about 37% below the Punta Gorda median of $339,094. The market section on this page shows how the area is trending.
Which schools are assigned to 4000 BAL HARBOR BOULEVARD UNIT 124?+
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
01Under the PUNTA GORDA 33950 market on paper
$215,000 is 19% below the PUNTA GORDA 33950 median of $265,000, and at $194/sqft it sits under the Punta Gorda average of $228.
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
484 days on market against a Punta Gorda median of 62 — 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 $250,000, now $215,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARINA PARK REALTY LLC · Robbie Sifrit. MLS #C7508464.
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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