CENTURY 21 Edge
$425,000$500,0002 bd2.5 ba1,855 sqft$229 /sqft$3,139 /mo all-in ↓

3900 COLONY COURT, PUNTA GORDA, FL, 33950

Active190 days on marketListed Feb 2, 2026MLS #C7521086

Reduced $75KWaterfrontSingle Family ResidenceWATERWAY COLONY

About this home

3900 COLONY COURT

ASSUMABLE FLOOD INSURANCE - This CUSTOM-BUILT elevated Florida-style waterfront home offers 2 bedrooms, 2 1/2 bathrooms, and 1,855 sq ft of thoughtfully designed living space, complemented by a clean, modern exterior blending comfort and functionality along with a metal roof. Nestled on the Venice Canal, the property features 141 feet of waterfront and a 7’ x 14’ concrete dock with pilings, providing quick boating access to Charlotte Harbor and the Gulf of Mexico—a true haven for water enthusiasts. The fixed bridge clearance measures approximately 12’–13’, depending on conditions. Set on a generous lot, the home includes an expansive concrete driveway with ample space for vehicles, boats, or toys. The raised main living area provides peace of mind while creating a breezy, shaded space below—perfect for outdoor seating, storage, or future entertaining. A 144-sq-ft metal shed adds room for tools, lawn equipment, or water gear. Recent updates new septic system, double front doors, and appliances. The A/C and hot water heater were replaced in 2017 for reliable comfort. The exterior showcases a crisp, neutral palette, low-maintenance finishes, and wide staircases leading to multiple entry points. Inside, the bright, open-concept living area flows seamlessly into the kitchen and dining spaces, ideal for everyday living and entertaining. Durable tile flooring spans the home, while neutral tones and ceiling fans enhance comfort and airflow. Large sliding glass doors open to a 55’ x 15’ rear deck spanning the home’s width, overlooking the tranquil canal—perfect for dining, entertaining, or relaxing in Florida style. The chef-inspired kitchen features two center islands: one with a stainless-steel oven and the other with a breakfast bar for four. White cabinetry, glass-front upper cabinets, and abundant recessed lighting complete this functional space. A conveniently located laundry area off the kitchen adds efficiency. The split-bedroom layout offers two primary suites for ultimate privacy. The first suite includes dual-door closets, a sitting area, and slider access to the rear deck. Its ensuite has a jetted soaking tub, Roman shower, L-shaped vanity with double sinks, and a separate toilet room. The second primary suite features a walk-in closet and an attached bath with a walk-in shower that also connects to the kitchen area—ideal for flexible living or guest accommodations. Versatile ground-level living space has a fully screened, open area that expands usable living and entertaining space. Designed for durability, the concrete slab and high ceilings provide room for lounging, dining, or hosting gatherings. Multiple doors open into a bonus area plumbed with a bathroom, enhancing the space’s potential for a casual hangout, outdoor kitchen, workshop, or future conversion. Close to I-75/US41 and nearby Fishermen's Village, downtown Punta Gorda shops & restaurants, Saint Andrews Golf Course, and excellent boating, fishing, and sailing. Home is spotless and ready for you—enjoy the Florida lifestyle in this impressive home! **PLEASE ENJOY THE 3D INTERACTIVE VIRTUAL TOUR ASSOCIATED WITH THIS LISTING**

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,855

Sqft

0.36 ac

Lot size

2002

Year built

One

Levels

$229

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCeramic Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryIn Kitchen · Inside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionStucco · Wood Frame
FoundationSlab · Stilt/On Piling
ViewWater
FacesWest
ParkingBoat · Covered · Driveway · Ground Level · Guest · Off Street · Oversized
ExteriorBalcony · Lighting · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2025)$3,474/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity 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.

$3,139 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property tax — 2025 actual bill$289
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,875Loan30-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% · $14,875
Interest rate6.00%
Loan term

Estimated payment

$3,139/mo

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property taxes (actual bill)$289
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

$229 vs $206

Days on market

190 vs 62 typical

Where $229/sqft sits among the 400 Punta Gorda actives

105
137
64 · this home
48
18
28
$118–171$171–225$225–278$278–332$332–385$385+

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

Map of 3900 COLONY COURT

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

MiddlePunta Gorda Middle School★★★★★
HighCharlotte High School★★★★★
ElementaryEast Elementary School★★★★★

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

The numbers that matter

The Punta Gorda market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$345K$345K

Punta Gorda median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

199 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 60% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

CurrentPrice reduced to $425,000 $75K
Feb 2, 2026Listed at $500,000 · 190 days on market since
2002Built · WATERWAY COLONY

Reality check

What actually sold near 3900 COLONY COURT

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

3824 COLONY COURTSold · Nov ’25

$1,140,000

3824 COLONY COURT · same community

3 bd · 3 ba · 2,052 sqft · $556/sqft · 15 DOM

3425 MAGNOLIA WAYSold · Mar ’26

$403,000

3425 MAGNOLIA WAY · same community

3 bd · 2 ba · 1,537 sqft · $262/sqft · 19 DOM

745 MONACO DRIVESold · Feb ’26

$410,000

745 MONACO DRIVE

3 bd · 2 ba · 1,928 sqft · $213/sqft · 124 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.

Krystina Allen

Your agent

Krystina Allen

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3900 COLONY COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3900 COLONY COURT — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3900 COLONY COURT FAQs

What would the monthly payment be for 3900 COLONY COURT?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,139/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 3900 COLONY COURT?+

The most recent tax bill on record (2025) was $3,474. 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 3900 COLONY COURT?+

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 $425,000, this home is listed about 25% 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 3900 COLONY COURT?+

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

$425,000 runs 60% above the PUNTA GORDA 33950 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

190 days on market against a Punta Gorda median of 62 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $500,000, now $425,000 — a $75K cut. The full history is in the market section below.

Listing courtesy of MARINA PARK REALTY LLC · Robbie Sifrit. MLS #C7521086.

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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