
312 MCGREGOR STREET, PUNTA GORDA, FL, 33950
Active113 days on marketListed Apr 13, 2026MLS #C7524002
About this home
312 MCGREGOR STREET
This charming cottage is nestled in the alluring Historic District of Punta Gorda, which offers the kind of walkable, coastal lifestyle that defines Southwest Florida living. Just a short stroll or bike ride takes you to downtown or Fishermans village, where you will discover great local restaurants, boutiques, vibrant farmers markets, and the scenic waterfront at Gilchrist Park. Here you can enjoy pickleball, tennis, fishing, playgrounds, and sunset walks along the harborfront esplanade. From the moment you arrive you will be embraced by the pleasing mature landscape that envelopes the home and the thoughtfully designed eco-friendly landscape, complete with decorative rock and curbing for low-maintenance appeal. Located on an oversized corner lot with nearly a quarter acre of land, there is plenty of space to create your outdoor sanctuary. This block home boasts a freshly painted exterior, newer impact glass windows, new entry doors, A/C, water heater, new electrical & complete pex repipe throughout ( 2023- including main line to meter). Inside, the home feels warm and cohesive with handsome wood-look plank tile flooring throughout. Abundant windows help fill the space with natural light, enhancing the bright, airy feel in every room. The kitchen is both functional and inviting, featuring stone countertops and complimentary backsplash, newer appliances, white cabinetry, and a window overlooking the private backyard. A breakfast bar opens seamlessly to the dining area, creating an easy flow for everyday living or casual entertaining. The primary suite features a stylish barn door leading to an updated ensuite bath with a freestanding vanity and a walk-in shower finished with striking herringbone tile. The second bedroom is filled with natural light from an expansive window overlooking the majestic tree in the front yard, while the guest bathroom continues the home’s updated aesthetic with its own freestanding vanity and beautifully tiled tub. Out back, the fenced yard provides a private retreat with plenty of room to relax or entertain. The carport has been screened-in and transformed into a comfortable sitting area, offering flexible living space and can be converted back to a car port. An expansive storage room provides great storage and space for the tinkerer, and the utility area is conveniently located just beyond. A transferable group insurance flood policy is available through the end of 2027, with coverage of $87,200.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,044
Sqft
0.23 ac
Lot size
1956
Year built
One
Levels
$286
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.
$2,327 /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
$2,327/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
$286 vs $264
Days on market
113 vs 60 typical
Where $286/sqft sits among the 21 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 → $345K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
10 of 21
PUNTA GORDA have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% 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 312 MCGREGOR STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$200,000
627 PALM AVENUE · same community
2 bd · 2 ba · 1,102 sqft · $181/sqft · 422 DOM
Sold · Jun ’26$260,000
213 W MCKENZIE STREET · same community
3 bd · 1.5 ba · 1,105 sqft · $235/sqft · 225 DOM
Sold · Jul ’26$135,000
29177 ORVA DRIVE · same community
2 bd · 2 ba · 1,114 sqft · $121/sqft · 86 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 312 MCGREGOR STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 312 MCGREGOR STREET — 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
312 MCGREGOR STREET FAQs
What would the monthly payment be for 312 MCGREGOR STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,327/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 312 MCGREGOR STREET?+
The most recent tax bill on record (2025) was $3,295. 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 312 MCGREGOR STREET?+
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 $299,000, this home is listed about 12% 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 312 MCGREGOR STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of CALENDA REAL ESTATE GROUP,INC. · Jennifer Calenda. MLS #C7524002.
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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