200 HARBOR WALK DRIVE UNIT 354, PUNTA GORDA, FL, 33950
Active239 days on marketListed Mar 13, 2026MLS #C7523258
About this home
200 HARBOR WALK DRIVE UNIT 354
Wake up to open water from this 5th-floor penthouse on the shores of Charlotte Harbor and the Peace River. Harbor Walk sits right on the waterfront in the heart of downtown Punta Gorda, beside Laishley Park and the popular Harborwalk. The east-facing screened/all-seasons lanai catches every sunrise, with passing boats, wildlife, and expansive Harbor views. Three pocketing sliders open the lanai to the living room, so the water feels part of the home. Inside, 2,018 sq ft of furnished, turn-key living includes cathedral and vaulted ceilings and bamboo floors. The kitchen has granite counters, generous cabinetry, a pantry, a breakfast bar, and a bay-window nook overlooking the water. A split plan gives the large primary suite privacy, with water views, a walk-in closet, and ensuite bath with dual sinks, a garden tub, and a separate shower. Two guest rooms work as an office, den, or space for visitors. Buyers can move forward with confidence, because the building's SIRS study is complete and condo docs are available. The monthly fee covers building insurance, water, sewer, trash, cable, exterior and grounds maintenance, pest control, the heated pool, and tennis. You also get elevator access, a private entry, hurricane shutters, central vacuum, inside laundry, storage, and assigned under-building parking. Step outside onto the Harborwalk and follow the water to waterfront dining, boutiques, galleries, festivals, the Saturday farmers market, and Fishermen's Village. Punta Gorda Airport is about 15 minutes away, and Fort Myers and Sarasota airports are within easy reach. Gulf beaches, golf, boating, fishing, and pickleball complete the lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,018
Sqft
0 ac
Lot size
1
Garage
2001
Year built
One
Levels
$280
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.
$5,116 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,116/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+27.7%
$/sqft vs Punta Gorda actives
$280 vs $208
Days on market
239 vs 65 typical
Where $280/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 Downtown Punta Gorda
Get to know Punta Gorda. See the full Punta Gorda guide →
Downtown Punta Gorda — neighborhood snapshot
Population
280
Median age
60
Median income
$75,115
Median home value
$466,339
Avg household
2
Households w/ children
23%
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
$325K → $340K
Punta Gorda median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
173 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 91% 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 200 HARBOR WALK DRIVE UNIT 354
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$390,500
268 LEWIS CIRCLE UNIT 132
3 bd · 2 ba · 2,021 sqft · $193/sqft · 137 DOM
Sold · Sep ’26$395,000
268 LEWIS CIRCLE UNIT 143
3 bd · 2 ba · 2,021 sqft · $195/sqft · 72 DOM
Sold · Jun ’26$500,000
1128 RUM CAY COURT
3 bd · 2 ba · 2,071 sqft · $241/sqft · 8 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 200 HARBOR WALK DRIVE UNIT 354 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 200 HARBOR WALK DRIVE UNIT 354 — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
200 HARBOR WALK DRIVE UNIT 354 FAQs
What would the monthly payment be for 200 HARBOR WALK DRIVE UNIT 354?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,116/mo — principal and interest, the actual property-tax bill, the $900/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 200 HARBOR WALK DRIVE UNIT 354?+
The association fee works out to $900 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 200 HARBOR WALK DRIVE UNIT 354?+
The most recent tax bill on record (2025) was $3,459. 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 200 HARBOR WALK DRIVE UNIT 354?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $565,000, this home is listed about 57% above the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 200 HARBOR WALK DRIVE UNIT 354?+
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
$565,000 runs 91% 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.
03Know the monthly fee
The association fee is $900/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
239 days on market against a Punta Gorda median of 65 — sellers in this position are usually ready to negotiate.
05Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of JOHN R WOOD PROPERTIES · Crystal Coovert. MLS #C7523258.
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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