3830 BAL HARBOR BOULEVARD UNIT 12, PUNTA GORDA, FL, 33950
Active100 days on marketListed Apr 30, 2026MLS #C7525351
About this home
3830 BAL HARBOR BOULEVARD UNIT 12
MOTIVATED SELLER - ALL REASONABLE OFFERS WILL BE CONSIDERED! Enjoy panoramic, wide-open water views from this end-unit villa in the desirable Villas of Bal Harbor. This spacious 2- bedroom plus a den/office w/murphy bed, 2-bath home offers 1,441 sq ft of living space, a rare attached 2-car garage, a courtyard entry with Terra Cotta tiled flooring, private dock and direct sail-boat access to Charlotte Harbor and beyond through Buckley's Pass. The new metal roof (2023) and seawall (2021-2023) provide added value and peace of mind. The split-bedroom floor plan offers privacy for owners and guests, while the updated primary bath includes a walk-in shower and two generous walk-in closets. The monthly HOA fee covers many of the major ownership expenses, making waterfront living more convenient and predictable. Included are building insurance, exterior maintenance, grounds maintenance, community pool and pool maintenance, water, sewer, trash, escrow reserves, private road, common area taxes, and a manager. The HOA coverage allows you to spend less time on maintenance and more time enjoying the Florida waterfront lifestyle. Located just minutes from Fishermen's Village, historic downtown Punta Gorda, restaurants, shopping, parks, numerous golf courses, beautiful Gulf beaches with their gorgeous sunsets and Punta Gorda airport is just 6 minutes away. This home comes furnished and waiting for the new owner to make it their own! Come and live the SWF waterfront lifestyle at this exceptional value. Bring your offer - the seller is motivated!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,441
Sqft
0 ac
Lot size
2
Garage
1986
Year built
One
Levels
$201
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.
$3,087 /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
$3,087/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
+30%
$/sqft vs Punta Gorda actives
$201 vs $208
Days on market
100 vs 61 typical
Where $201/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 Isles
Get to know Punta Gorda. See the full Punta Gorda guide →
Punta Gorda Isles — neighborhood snapshot
Population
10,031
Median age
68
Median income
$97,109
Median home value
$574,467
Avg household
2
Households w/ children
287
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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
192 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 9% 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 3830 BAL HARBOR BOULEVARD UNIT 12
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$382,000
5479 RIVER BAY DRIVE
2 bd · 2 ba · 1,352 sqft · $283/sqft · 377 DOM
Sold · May ’26$220,000
5472 RIVER BAY DRIVE
3 bd · 2 ba · 1,560 sqft · $141/sqft · 31 DOM
Sold · Jul ’26$239,000
740 DEAUVILLE DRIVE
2 bd · 2 ba · 1,278 sqft · $187/sqft · 172 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3830 BAL HARBOR BOULEVARD UNIT 12 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3830 BAL HARBOR BOULEVARD UNIT 12 — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3830 BAL HARBOR BOULEVARD UNIT 12 FAQs
What would the monthly payment be for 3830 BAL HARBOR BOULEVARD UNIT 12?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,087/mo — principal and interest, the actual property-tax bill, the $860/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 3830 BAL HARBOR BOULEVARD UNIT 12?+
The association fee works out to $860 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3830 BAL HARBOR BOULEVARD UNIT 12?+
The most recent tax bill on record (2025) was $2,859. 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 3830 BAL HARBOR BOULEVARD UNIT 12?+
The listing reports pets: 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 $289,000, this home is listed about 15% below the Punta Gorda median of $339,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3830 BAL HARBOR BOULEVARD UNIT 12?+
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
Four things that matter here
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Know the monthly fee
The association fee is $860/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong 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.
04The price has already moved
Listed at $430,000, now $289,000 — a $141K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 SUNBELT REALTY · Paula McCarthy. MLS #C7525351.
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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