CENTURY 21 Edge
$529,000$649,0003 bd2 ba2,383 sqft$222 /sqft$4,311 /mo all-in ↓

129 BREAKERS COURT UNIT 121, PUNTA GORDA, FL, 33950

Active247 days on marketListed Jan 16, 2026MLS #C7520128

Reduced $120KWaterfrontPrivate poolFully furnishedCondominiumBREAKERS COURT

About this home

129 BREAKERS COURT UNIT 121

A Refined Waterfront Retreat in Punta Gorda Isles: There are waterfront residences, and then there are those rare properties that bring together space, privacy, boating access and an exceptional setting in a way that feels truly special. Residence 121 at 129 Breakers Court is one of them. Encompassing 2,383 square feet, this elegant three-bedroom, two-bath corner residence occupies one of only four homes in an intimate boutique building overlooking Bass Inlet and the waters leading to Charlotte Harbor. With sailboat access and no bridges, the water is quite literally part of your everyday lifestyle. A deeded dock with a 10,000-pound boat lift provides effortless access for boating, while the ever-changing waterfront panorama offers a front-row seat to life on the water. Beautifully remodeled in 2023, the residence is defined by its generous proportions and understated sophistication. Nearly 10-foot tray ceilings, 8-foot doors and 24" x 48" white porcelain tile create an airy, contemporary backdrop throughout the main living spaces. The open-concept design flows naturally from the living and dining areas into the beautifully appointed kitchen, where soft-close cabinetry, under-cabinet lighting, glass tile backsplash, reverse-osmosis filtration and a substantial breakfast bar combine style with everyday practicality. The expansive primary suite offers more than 500 square feet of private living space, including a comfortable sitting and reading area and a generous walk-in closet. Each of the three bedrooms features its own walk-in closet, providing exceptional storage and comfort for both residents and guests. Walls of glass open to a 155-square-foot screened lanai, where morning coffee, evening cocktails and sunset views become part of the rhythm of life. Beyond, Bass Inlet stretches toward Charlotte Harbor, creating a peaceful and ever-changing backdrop. Practical luxuries have been thoughtfully incorporated as well. The enclosed, weather-protected under-building garage includes two deeded parking spaces, additional room for a golf cart, bicycles or kayak, and a private storage room. An oversized, humidity-controlled community gear locker provides additional dedicated space for boating and fishing equipment. Residents also enjoy a waterfront pool and screened gathering area overlooking Bass Inlet. A new metal roof installed in 2023 adds another layer of long-term value and peace of mind. The $785 monthly association fee, unchanged since 2022, includes flood insurance, trash, pool, elevator and pest control. Set along a quiet, palm-lined cul-de-sac terminating at Brown Park, the location offers an enviable balance of privacy and convenience. Fishermen's Village, Isles Yacht Club, Gilchrist Park, tennis and pickleball are all within walking or biking distance, while Sunseeker Resort is just across the way. Whether envisioned as a year-round residence or an elegant Florida retreat, this is a home designed for those who appreciate space, waterfront living and the quiet luxury of having everything in its place. Simply put, this is Punta Gorda Isles waterfront living at its most effortless.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,383

Sqft

2

Garage

2003

Year built

One

Levels

$222

Per sqft

Private poolWaterfrontWater viewFurnishedPets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNorthwest
ExteriorLighting · Sliding Doors

Community & fees

Taxes (2025)$9,632/yr
PetsYes
CommunityWaterfront · Deed Restrictions · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,311 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,114
FHA mortgage insurance (est.)$234
Property tax — 2025 actual bill$803
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,515Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,515
Interest rate6.00%
Loan term

Estimated payment

$4,311/mo

Principal & interest$3,114
FHA mortgage insurance (est.)$234
Property taxes (actual bill)$803
Est. insurance$160

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

$222 vs $203

Days on market

247 vs 63 typical

Where $222/sqft sits among the 400 Punta Gorda actives

114
150 · this home
66
29
14
27
$115–172$172–230$230–288$288–346$346–403$403+

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 Fisherman's Village

Get to know Punta Gorda. See the full Punta Gorda guide →

Fisherman's Village — neighborhood snapshot

Population

109

Median age

66

Median income

$66,832

Median home value

$389,400

Avg household

2

Households w/ children

6%

For the school run

Charlotte County School District

ElementarySallie Jones Elementary School★★★★
HighCharlotte High School★★★★★
MiddlePunta Gorda Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Punta Gorda market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$345K$330K

Punta Gorda median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

223 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 96% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

CurrentPrice reduced to $529,000 $120K
Jan 16, 2026Listed at $649,000 · 247 days on market since
2003Built · BREAKERS COURT

Reality check

What actually sold near 129 BREAKERS COURT UNIT 121

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2126 VIA VENETO DRIVESold · Apr ’26

$1,388,000

2126 VIA VENETO DRIVE

4 bd · 3 ba · 2,345 sqft · $592/sqft · 168 DOM

1318 SAN MATEO DRIVESold · Apr ’26

$385,000

1318 SAN MATEO DRIVE

3 bd · 2 ba · 2,425 sqft · $159/sqft · 59 DOM

2321 VIA VENETO DRIVESold · May ’26

$812,500

2321 VIA VENETO DRIVE

4 bd · 2 ba · 2,428 sqft · $335/sqft · 81 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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 129 BREAKERS COURT UNIT 121 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 129 BREAKERS COURT UNIT 121 — before you fall in love.

See it in person

Schedule a tour

Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

129 BREAKERS COURT UNIT 121 FAQs

What would the monthly payment be for 129 BREAKERS COURT UNIT 121?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,311/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 129 BREAKERS COURT UNIT 121?+

The most recent tax bill on record (2025) was $9,632. 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 129 BREAKERS COURT UNIT 121?+

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 $529,000, this home is listed about 56% above the Punta Gorda median of $339,094. The market section on this page shows how the area is trending.

Which schools are assigned to 129 BREAKERS COURT UNIT 121?+

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

$529,000 runs 96% above the PUNTA GORDA 33950 median — but at 2,383 sqft it's also 42% 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.

03Time on market is leverage

247 days on market against a Punta Gorda median of 63 — 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 $649,000, now $529,000 — a $120K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER REALTY · Norine Walker. MLS #C7520128.

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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