CENTURY 21 Edge
$599,900$668,7003 bd2.5 ba1,821 sqft$329 /sqft$4,338 /mo all-in ↓

3845 BAL HARBOR BOULEVARD, PUNTA GORDA, FL, 33950

Active69 days on marketListed May 28, 2026MLS #C7526533

Reduced $69KPrivate poolSingle Family ResidencePUNTA GORDA ISLES SEC 12

About this home

3845 BAL HARBOR BOULEVARD

BACK ON THE MARKET—NO FAULT OF THE SELLERS OR THE PROPERTY! Creating another opportunity to own this exceptional custom home on the sixth tee of St. Andrews South Golf Course. Experience luxury Florida living in this stunning three-bedroom-plus-den, two-bath residence offering breathtaking golf course and water views, unforgettable sunsets, quality construction and premium smart-home upgrades—all just minutes from downtown Punta Gorda. Built approximately eight years ago and situated high and dry at approximately 11 feet of elevation, this meticulously maintained home features a durable metal roof, hurricane-rated windows with additional shutters and no hurricane damage from any storm. The bright, open-concept interior features soaring tray ceilings with crown molding, impressive eight-foot doors, recessed lighting, designer five-inch baseboards and porcelain wood-look plank tile throughout. Fresh interior and exterior paint creates a clean coastal feel, while expansive sliding doors seamlessly connect the indoor living space to the pool and outdoor entertaining area. At the heart of the home, the chef-inspired kitchen showcases custom soft-close cabinetry, granite countertops, energy-efficient stainless-steel appliances, a tiled backsplash, oversized entertaining island and built-in pullout pantry. Shiplap accents add warmth, character and a custom designer touch. The spacious primary suite offers a private retreat with dual comfort-height vanities and a beautifully designed, fully tiled walk-in shower. Two additional bedrooms and a separate den provide flexible accommodations for family, guests, a home office or hobby room. Premium upgrades include a portable 50-amp generator with a whole-house transfer-switch connection, remotely controlled smart irrigation, smart switches and outlets, a Nest thermostat with phone control, Nest smoke and carbon-monoxide alarms, a whole-house three-stage water-filtration system, an EV/Tesla 60-amp charging station and exterior security cameras. Step outside into your private resort-style oasis featuring a heated saltwater pool, beautiful paver pool deck and driveway, stainless-steel cable railing, dramatic arched water jets, baby safety fencing and lush, low-maintenance tropical landscaping with coconut palms. Relax poolside while enjoying tranquil lake and golf-course views and some of Punta Gorda’s most spectacular sunsets. Adding even more personality is the adorable matching neighborhood library house featuring the welcoming message: “Need a book? Take one. Have a book? Leave one.” This delightful feature embraces the spirit of community and adds a truly unique touch. The oversized 2.5-car garage offers more than 27 feet of depth, pull-down attic access and built-in storage racks for exceptional storage and convenience. An elevation certificate is available, and the seller’s current flood insurance premium is approximately $1,107 annually. The insurance carrier has indicated that a new buyer may qualify for the same rate; however, coverage and premiums are subject to buyer eligibility and carrier approval. Located minutes from historic downtown Punta Gorda, Fishermen’s Village, waterfront dining, shopping, marinas, parks and entertainment, this remarkable home delivers luxury, lifestyle and location in one unforgettable package. Schedule your private showing today!

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,821

Sqft

0.27 ac

Lot size

2

Garage

2017

Year built

One

Levels

$329

Per sqft

Private poolGolf Course & Pool & Water view

Inside

FlooringCarpet · Porcelain Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionBlock
FoundationStem Wall
ViewGolf Course · Pool · Water
FacesNorthwest
ExteriorRain Gutters · Sliding Doors

Community & fees

Taxes (2025)$8,593/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,338 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,237
PMI (est., until 20% equity)$225
Property tax — 2025 actual bill$716
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $59,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $59,990
Interest rate6.00%
Loan term

Estimated payment

$4,338/mo

Principal & interest$3,237
PMI (est., until 20% equity)$225
Property taxes (actual bill)$716
Est. insurance$160

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.

List $600K
$576KedgeAI estimate $659,828 · range $641K$716K$745K

vs edgeAI estimate

−9.1%

$/sqft vs PUNTA GORDA ISLES SEC 12

$329 vs $332

Days on market

69 vs 60 typical

Where $329/sqft sits among the 14 homes for sale in PUNTA GORDA ISLES SEC 12

3
4
3 · this home
2
0
2
$176–248$248–319$319–391$391–462$462–534$534+

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

Map of 3845 BAL HARBOR BOULEVARD

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

ElementarySallie Jones Elementary School★★★★
HighCharlotte High School★★★★★
MiddlePunta Gorda Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Punta Gorda market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$345K$340K

Punta Gorda median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

10 of 14

PUNTA GORDA ISLES SEC 12 have cut their price

Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 123% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

CurrentPrice reduced to $599,900 $69K
May 28, 2026Listed at $668,700 · 69 days on market since
2017Built · PUNTA GORDA ISLES SEC 12

Reality check

What actually sold near 3845 BAL HARBOR BOULEVARD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4015 LA COSTA ISLAND COURTSold · Mar ’26

$585,000

4015 LA COSTA ISLAND COURT · same community

3 bd · 2 ba · 1,814 sqft · $322/sqft · 15 DOM

1428 PINE ISLAND COURTSold · Mar ’26

$415,000

1428 PINE ISLAND COURT · same community

3 bd · 2 ba · 1,811 sqft · $229/sqft · 42 DOM

2059 PADRE ISLAND DRIVE UNIT 3Sold · Mar ’26

$285,000

2059 PADRE ISLAND DRIVE UNIT 3 · same community

3 bd · 2 ba · 1,807 sqft · $158/sqft · 0 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.

Jasmine Ince

Your agent

Jasmine Ince

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3845 BAL HARBOR BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3845 BAL HARBOR BOULEVARD — before you fall in love.

See it in person

Schedule a tour

Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3845 BAL HARBOR BOULEVARD FAQs

What would the monthly payment be for 3845 BAL HARBOR BOULEVARD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,338/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 3845 BAL HARBOR BOULEVARD?+

The most recent tax bill on record (2025) was $8,593. 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 $599,900, this home is listed about 76% above the Punta Gorda median of $340,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3845 BAL HARBOR BOULEVARD?+

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

$599,900 runs 123% above the PUNTA GORDA 33950 median.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

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 $668,700, now $599,900 — a $69K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER REALTY · Carri Metzger. MLS #C7526533.

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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