1345 MEDITERRANEAN DRIVE UNIT A105, PUNTA GORDA, FL, 33950
Active207 days on marketListed Jan 12, 2026MLS #C7519963
About this home
1345 MEDITERRANEAN DRIVE UNIT A105
Stunning Waterfront First Floor 2-Bedroom Condo in Punta Gorda Isles– Beautifully Renovated, Furnished & Move-In Ready! Fall in love the moment you walk through the door of this beautifully renovated 2-bedroom, 2-bath canal-front condo. With breathtaking, direct canal views, boat dock access exclusively for owners use and easy open water access, this is the perfect coastal retreat you've been dreaming of. Inside, you’ll find a tastefully decorated bright interior, featuring a modern kitchen with quartz countertops, new cabinetry, upgraded lighting, and ceiling fans throughout. Both bathrooms have been thoughtfully renovated with a stylish, coastal touch. The spacious living room opens to a large lanai through triple sliding hurricane-impact glass doors—ideal for enjoying your morning coffee, evening cocktails, and soaking in the colorful sunsets while watching the fish jump right outside your door. The primary suite is a true haven, offering serene water views, a generous walk-in closet plus an additional built-in closet, double sliding glass door with access to lanai, and a beautifully updated en suite with a linen closet. The second bedroom is equally inviting, with its own renovated bath—perfect for guests or family. This bright and airy corner end unit is filled with natural light and enhanced by thoughtful details like a custom built-in buffet in the dining area with quartz countertops—great for entertaining or extra storage. Equipped with hurricane-impact windows and sliders for peace of mind, 2023 Sloped Durotech Roof provides discounts to your insurance, and an in-unit stackable washer & dryer offering added convenience, this condo is the perfect blend of comfort, style, and function. This is truly a must-see. Your waterfront paradise awaits. There’s nothing left to do but move in and start living the dream! BATVAI. List agent is owner.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,164
Sqft
0.03 ac
Lot size
1974
Year built
One
Levels
$232
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.
$2,768 /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
$2,768/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.
$/sqft vs Punta Gorda actives
$232 vs $208
Days on market
207 vs 59 typical
Where $232/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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
192 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 1% 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 1345 MEDITERRANEAN DRIVE UNIT A105
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$203,000
1345 MEDITERRANEAN DRIVE UNIT A204 · same community
2 bd · 2 ba · 1,164 sqft · $174/sqft · 20 DOM
Sold · Feb ’26$245,000
3920 BAL HARBOR BOULEVARD UNIT B1
2 bd · 2 ba · 1,183 sqft · $207/sqft · 55 DOM
Sold · Oct ’25$255,000
3920 BAL HARBOR BOULEVARD UNIT E1
2 bd · 2 ba · 1,183 sqft · $216/sqft · 228 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1345 MEDITERRANEAN DRIVE UNIT A105 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1345 MEDITERRANEAN DRIVE UNIT A105 — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1345 MEDITERRANEAN DRIVE UNIT A105 FAQs
What would the monthly payment be for 1345 MEDITERRANEAN DRIVE UNIT A105?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,768/mo — principal and interest, the actual property-tax bill, the $550/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 1345 MEDITERRANEAN DRIVE UNIT A105?+
The association fee works out to $550 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1345 MEDITERRANEAN DRIVE UNIT A105?+
The most recent tax bill on record (2024) was $4,197. 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 1345 MEDITERRANEAN DRIVE UNIT A105?+
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 $269,900, this home is listed about 21% below the Punta Gorda median of $341,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1345 MEDITERRANEAN DRIVE UNIT A105?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Know the monthly fee
The association fee is $550/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
207 days on market against a Punta Gorda median of 59 — 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 $289,900, now $269,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · Kelly Hetzel-Straub. MLS #C7519963.
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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