18 EMDEN CIRCLE, PUNTA GORDA, FL, 33950
Active94 days on marketListed Apr 24, 2026MLS #C7525309
About this home
18 EMDEN CIRCLE
**PRICE INCLUDES SELLER PAYING $18,285 BUY IN FEE! (refundable to new owner upon sale) **ALL REASONABLE OFFERS WILL BE CONSIDERED!** Welcome to Windmill Village in Punta Gorda! Resident-owned 55+ GATED community | TWO ON-SITE MARINAS with plenty of FIRST-COME, FIRST-SERVE boat slips with GULF ACCESS | ON-SITE BOAT RAMP | BOAT TRAILER PARKING/STORAGE | TURN-KEY FURNISHED | HEATED POOL | NEW SHINGLE ROOF 2023 | LARGE SCREENED LANAI | ATTACHED GOLF CART GARAGE/WORKSHOP | NO STORM DAMAGE | LOW $260/month HOA (includes landscaping, water, and sewer) | Windmill Village is where coastal living meets convenience and community. This beautifully maintained, fully furnished Jacobsen home offers 3 bedrooms, 2 bathrooms, and OVER 1,500 square feet of thoughtfully designed living space on a desirable corner lot. Bright and airy with abundant natural light, the home features an open SPLIT FLOOR PLAN, HIGH CEILINGS, and energy-efficient 5-zone Mitsubishi mini split systems for personalized comfort throughout. The kitchen is both functional and stylish with granite countertops, stainless steel appliances, a center island with breakfast bar, and ample wood cabinetry with crown molding. The spacious living area is enhanced by large double-pane windows and a seamless flow into the dining space. A versatile den with French doors can easily serve as a home office or third bedroom. The primary suite offers generous closet space, dual vanities, and a beautifully updated walk-in shower with skylight, while the guest bedroom includes a walk-in closet and access to a full bath. Step outside to your LARGE SCREENED (14x17 ft) LANAI—perfect for relaxing or entertaining—along with a paver patio and COVERED CARPORT. This is ideal for those who love to be on the water and be near downtown Punta Gorda Isles, where there are great restaurants and plenty of events going on. Additional community features include a post office, beautifully maintained grounds, and an upscale community center designed for social gatherings and events. This is a rare opportunity to own a move-in-ready home in one of Punta Gorda’s most desirable waterfront communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,581
Sqft
0.11 ac
Lot size
1
Garage
2005
Year built
One
Levels
$142
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.
$2,192 /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
$2,192/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
+25.1%
$/sqft vs WINDMILL VILLAGE
$142 vs $154
Days on market
94 vs 59 typical
Where $142/sqft sits among the 33 homes for sale in WINDMILL VILLAGE
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
95.0%
Sale-to-list ratio (12 mo)
12 of 33
WINDMILL VILLAGE have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% 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 18 EMDEN CIRCLE
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$140,000
12 BELCHER DRIVE · same community
2 bd · 2 ba · 1,593 sqft · $88/sqft · 56 DOM
Sold · Apr ’26$290,000
78 WINDMILL BOULEVARD · same community
2 bd · 2 ba · 1,512 sqft · $192/sqft · 13 DOM
Sold · Jul ’26$137,000
19 HOLLAND DRIVE · same community
2 bd · 2 ba · 1,512 sqft · $91/sqft · 18 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
Gianfranco Di Flumeri Petrelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 18 EMDEN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18 EMDEN CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
18 EMDEN CIRCLE FAQs
What would the monthly payment be for 18 EMDEN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,192/mo — principal and interest, the actual property-tax bill, the $260/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 18 EMDEN CIRCLE?+
The association fee works out to $260 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18 EMDEN CIRCLE?+
The most recent tax bill on record (2025) was $4,186. 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 18 EMDEN CIRCLE?+
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 $224,900, this home is listed about 35% below the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 18 EMDEN CIRCLE?+
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 PREFERRED SHORE LLC · Brooks Imlay. MLS #C7525309.
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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