410 W CHARLOTTE AVENUE, PUNTA GORDA, FL, 33950
Active202 days on marketListed Jan 24, 2026MLS #C7520603
About this home
410 W CHARLOTTE AVENUE
Motivated Seller: Welcome to 410 W Charlotte Ave, a classic 1953 Mid-Century Modern bungalow ideally located in the heart of downtown Punta Gorda, one of Southwest Florida’s most beloved waterfront communities. Positioned just moments from Gilchrist Park, the scenic Charlotte Harbor waterfront, and the vibrant shops and restaurants of Downtown Punta Gorda, this charming residence blends vintage character with unbeatable walkability. Designed in the popular Mid-Century Modern style, the home showcases clean architectural lines, abundant natural light, and a warm, inviting atmosphere. Original design elements create a nostalgic sense of place while offering a wonderful opportunity to personalize or preserve a true piece of Punta Gorda’s architectural history. Inside, the layout offers comfortable living spaces ideal for everyday living or a seasonal retreat. Large windows bring the outdoors in, while the cozy footprint encourages relaxed Florida living. The property’s central location makes it perfect for those who enjoy biking or strolling along the harborfront paths, visiting nearby parks, or dining at the many waterfront restaurants just minutes away. Whether you’re searching for a primary residence, vacation getaway, or investment opportunity, this property places you in the center of one of Florida’s most charming coastal towns. Historic surroundings, tree-lined streets, and close proximity to marinas, boating, and the harbor lifestyle make this a rare chance to own in the downtown Punta Gorda area.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,536
Sqft
0.17 ac
Lot size
1
Garage
1953
Year built
One
Levels
$234
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.
$2,796 /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
$2,796/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
+29.4%
$/sqft vs PUNTA GORDA
$234 vs $272
Days on market
202 vs 63 typical
Where $234/sqft sits among the 19 homes for sale in PUNTA GORDA
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
24,492
Median age
64.6
Median income
$74,484
Median home value
$393,500
Avg household
1.98
Households w/ children
1,614
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)
10 of 19
PUNTA GORDA have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% 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 410 W CHARLOTTE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$460,000
302 W GRACE STREET · same community
2 bd · 2 ba · 1,578 sqft · $292/sqft · 4 DOM
Sold · Feb ’26$363,000
826 W VIRGINIA AVENUE · same community
3 bd · 2 ba · 1,467 sqft · $247/sqft · 5 DOM
Sold · Apr ’26$390,000
121 DOLLY STREET · same community
3 bd · 2.5 ba · 1,676 sqft · $233/sqft · 53 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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 410 W CHARLOTTE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 410 W CHARLOTTE AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
410 W CHARLOTTE AVENUE FAQs
What would the monthly payment be for 410 W CHARLOTTE AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,796/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 410 W CHARLOTTE AVENUE?+
The most recent tax bill on record (2024) was $4,297. 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 410 W CHARLOTTE AVENUE?+
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 $359,900, this home is listed about 6% above the Punta Gorda median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 410 W CHARLOTTE AVENUE?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$359,900 runs 33% above the PUNTA GORDA 33950 median.
02City & Trees/Woods views
The city and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
202 days on market against a Punta Gorda median of 63 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $399,900, now $359,900 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REMAX LANDMARK · Alex LeClair. MLS #C7520603.
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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