4020 PALM DRIVE, PUNTA GORDA, FL, 33950
Active110 days on marketListed Apr 16, 2026MLS #C7524856
About this home
4020 PALM DRIVE
Wait—did you say private boat ramp? Yes. Yes, we did. And no, you don’t see that often. This waterfront rental sits on a private lagoon with your own boat ramp and in a blink you are in the fertile waters of the Charlotte Harbor. Launch when you want, fish when you want, and skip the public ramp chaos entirely. Perfect for the novice and the seasoned alike. Inside? Basically brand new. Fresh, clean, and a kitchen so nice you might actually cook… or at least look like you do while planning your next boat day. Fish from your backyard. Cruise at sunset. Pop into historic downtown Punta Gorda just minutes away for dining, shopping, and waterfront vibes.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,228
Sqft
0.53 ac
Lot size
1
Garage
1967
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $207
Days on market
110 vs 59 typical
Where $2/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 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)
193 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 99% below the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 4020 PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$450,000
4226 PALM DRIVE · same community
3 bd · 2 ba · 1,566 sqft · $287/sqft · 4 DOM
Sold · May ’26$468,000
4210 PALM DRIVE · same community
3 bd · 3 ba · 1,798 sqft · $260/sqft · 316 DOM
Sold · Feb ’26$370,000
5464 RIVER BAY DRIVE
2 bd · 2 ba · 1,152 sqft · $321/sqft · 24 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4020 PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4020 PALM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4020 PALM DRIVE FAQs
What would the monthly payment be for 4020 PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4020 PALM DRIVE?+
The listing reports pets: Breed Restrictions. 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 $2,000, this home is listed about 99% below the Punta Gorda median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4020 PALM DRIVE?+
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
Three things that matter here
01Under the PUNTA GORDA 33950 market on paper
$2,000 is 99% below the PUNTA GORDA 33950 median of $269,000, and at $2/sqft it sits under the Punta Gorda average of $229.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $2,300, now $2,000 — a $300 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY BY DALE THOMAS · Nicole Smith-Mayle. MLS #C7524856.
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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