
1020 VIA FORMIA, PUNTA GORDA, FL, 33950
Active74 days on marketListed May 22, 2026MLS #C7526465
About this home
1020 VIA FORMIA
As the sun begins to set over the canal, this exceptional FERO built waterfront residence transforms into a private coastal retreat designed for elegant living and unforgettable entertaining. Nestled within the powerboat section of Punta Gorda Isles, the home captures the beauty of Southwest Florida living with breathtaking water views, seamless indoor outdoor flow, and luxurious designer finishes throughout. Soaring stepped ceilings, crown molding, tile flooring, and expansive zero edge pocket sliders create an atmosphere that feels both grand and inviting, while natural light pours into every thoughtfully designed space. At the center of the home, the gourmet kitchen serves as both a showpiece and gathering place, anchored by a dramatic 5x9 single slab quartz island and surrounded by upgraded custom cabinetry and a suite of top tier appliances including an Italian oven, smart refrigerator, drawer microwave, wine cooler, and farmhouse sinks in both the kitchen and laundry room. A panoramic bay window frames tranquil canal views, bringing the outdoors into everyday living and dining spaces designed for effortless entertaining and relaxed waterfront living. Privately tucked away, the primary suite offers a serene escape with direct access to the lanai, expansive walk in closet with custom built ins, and a spa inspired ensuite featuring dual vanities, a jacuzzi soaking tub, and an oversized walk in shower with pocket sliders to the laundry room from the closet. Two guest bedrooms provide inviting accommodations for family and visitors, each thoughtfully designed to reflect the home’s refined yet comfortable atmosphere. Outside, the expansive lanai becomes the true heart of the home as glowing sunset skies reflect across the water and create an unforgettable backdrop for evenings spent poolside. The outdoor living area features a sparkling pool, an outdoor kitchen with upgraded grill and refrigerator, and panoramic unobstructed canal views that elevate every moment. Boating enthusiasts will appreciate the 30 foot concrete dock and 10,000 pound boat lift with new motors and cables, offering quick access to Charlotte Harbor and an easy ten minute cruise to Fisherman’s Village. Complete with updated lighting, a 2023 roof, and pristine move in ready condition, this extraordinary residence embodies sophisticated waterfront living at its finest.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,235
Sqft
0.22 ac
Lot size
2
Garage
2001
Year built
One
Levels
$414
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.
$6,572 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$6,572/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.
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
+17.6%
$/sqft vs Punta Gorda actives
$414 vs $204
Days on market
74 vs 60 typical
Where $414/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 → $345K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
181 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 246% 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 1020 VIA FORMIA
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$715,000
1030 VIA FORMIA · same community
3 bd · 2 ba · 2,075 sqft · $345/sqft · 100 DOM
Sold · Mar ’26$578,000
1001 MINEO DRIVE · same community
3 bd · 2 ba · 1,842 sqft · $314/sqft · 1 DOM
Sold · May ’26$724,999
2436 DEBORAH DRIVE
3 bd · 2.5 ba · 2,198 sqft · $330/sqft · 81 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
Robert Holmgren
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1020 VIA FORMIA — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1020 VIA FORMIA — before you fall in love.
See it in person
Schedule a tour
Live availability from Robert's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1020 VIA FORMIA FAQs
What would the monthly payment be for 1020 VIA FORMIA?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,572/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 1020 VIA FORMIA?+
The most recent tax bill on record (2025) was $12,882. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Punta Gorda?+
At $925,000, this home is listed about 171% above the Punta Gorda median of $341,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1020 VIA FORMIA?+
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
01Positioned at the premium end
$925,000 runs 246% above the PUNTA GORDA 33950 median — but at 2,235 sqft it's also 33% larger than the typical Punta Gorda listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 $950,000, now $925,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HARBOR REALTY · Bobbi Bevis. MLS #C7526465.
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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