3285 SANTA BARBARA DR, PUNTA GORDA, FL, 33983
Active219 days on marketListed Jan 1, 2026MLS #C7519526
About this home
3285 SANTA BARBARA DR
$30,000 price reduction! Discover the perfect opportunity to build your Florida waterfront dream in the desirable Harbour Heights community of Punta Gorda, FL. This cleared waterfront lot offers quick and easy access to the Peace River and beyond to Charlotte Harbor and the Gulf—ideal for boating, fishing, and enjoying the Southwest Florida lifestyle. The property features a concrete seawall, and IMPACT FEES ARE ALREADY PAID, making this lot truly ready to go. As a bonus, the neighboring lot (MLS #C7510583) is also available for purchase from a different owner, presenting a rare opportunity to secure additional waterfront frontage, create a larger estate-sized homesite, or preserve extra privacy. Just 1.1 miles away, residents enjoy the newly upgraded Harbour Heights Park, offering a public boat ramp, day docks, pavilion, tennis courts, shuffleboard, playground, and a beautiful park-like setting. Conveniently located near I-75, this location provides easy access to Punta Gorda, dining, shopping, and travel—while still delivering peaceful waterfront living. Whether you’re planning a full-time residence or a seasonal retreat, this property checks all the boxes for Southwest Florida waterfront living.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$906 /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
$906/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.
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
$345K → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% 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 3285 SANTA BARBARA DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$110,000
1739 GRIFFITH AVENUE
2 bd · 2 ba · 912 sqft · $121/sqft · 167 DOM
Sold · Sep ’25$295,000
27193 and 27197 VOYAGEUR DRIVE
2 bd · 2 ba · 968 sqft · $305/sqft · 96 DOM
Sold · Jun ’26$187,500
3209 BRODER DRIVE
3 bd · 1 ba · 987 sqft · $190/sqft · 35 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 3285 SANTA BARBARA DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3285 SANTA BARBARA DR — 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
3285 SANTA BARBARA DR FAQs
What would the monthly payment be for 3285 SANTA BARBARA DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $906/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 3285 SANTA BARBARA DR?+
The most recent tax bill on record (2025) was $1,739. 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 $95,000, this home is listed about 72% below the Punta Gorda median of $339,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3285 SANTA BARBARA DR?+
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
Five things that matter here
01Positioned at the premium end
$95,000 runs 12% above the PUNTA GORDA 33983 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
219 days on market against a Punta Gorda median of 61 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $125,000, now $95,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Kris Nichols. MLS #C7519526.
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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