CENTURY 21 Edge
$945,000$985,0003 bd2.5 ba2,748 sqft$344 /sqft$6,637 /mo all-in ↓

436 VALLETTA COURT, PUNTA GORDA, FL, 33950

Active63 days on marketListed Jun 9, 2026MLS #C7526794

Reduced $40KWaterfrontPrivate poolFully furnishedSingle Family ResidencePUNTA GORDA ISLES SEC 15

About this home

436 VALLETTA COURT

Waterfront Luxury Living with Sailboat Access! Offered fully furnished and truly turn-key, this custom-built 3-bedroom + Office, 2.5-bath waterfront residence is perfectly positioned in one of Punta Gorda’s most sought-after boating communities. Boasting nearly 2,750 square feet of beautifully designed living space, this exceptional home features an oversized 2-car garage measuring 30' x 21' and is ideally situated in a quiet street on a deep-water canal with direct sailboat access to Charlotte Harbor and the Gulf. Designed for the Florida lifestyle, the property offers 96 feet of city-maintained concrete seawall, a spacious 45-foot dock, and a 12,000-pound boat lift—perfect for avid boaters and anglers alike. Step through the impressive glass double entry doors into an elegant Great room floor plan where soaring ceilings, abundant natural light, and panoramic water views create an inviting atmosphere. The expansive living area features custom cabinetry and shelving. A home office with built-in shelving is located adjacent to the living room. It can also be used as an additional guest bedroom. The chef’s kitchen is sure to impress with stainless appliances including a Viking gas range and vent hood, built-in microwave, new refrigerator, wine cooler, center island with prep sink, convenient pull-out pantry drawers, and a breakfast bar ideal for casual dining and entertaining. Adjacent to the kitchen, the dining area is highlighted by a stunning aquarium window and sliding glass doors that seamlessly blend indoor and outdoor living. The spacious primary suite is a private waterfront retreat, offering direct lanai access, tray ceilings, a comfortable sitting area, dual entry walk-in closets with custom built-ins, and a spa-inspired bath complete with dual vanities, a private water closet, linen storage, and an oversized walk-in shower with dual shower heads. Guests will appreciate the thoughtfully designed split-bedroom floor plan. One guest suite features an adjoining 10' x 10' bonus room, perfect for a home office, fitness room, or private sitting area. A second guest bedroom enjoys easy access to a nearby full bath, and also has its own private half bath with convenient pool access. Outdoor living is equally impressive with an oversized screened lanai with a large, heated pool and spa. Totally designed for relaxing or entertaining while taking in the tranquil water views, spectacular sunsets, and peaceful surroundings. Whether enjoying a morning coffee, hosting family and friends, or casting a line from your private dock, this home truly embraces the Southwest Florida waterfront lifestyle. Additional features include a durable metal roof, complete hurricane protection with electric roll-down and accordion shutters, an in-ground propane tank, irrigation system, plantation shutters throughout, and mature landscaping. Located in a beautifully maintained golf and boating community, residents enjoy close proximity to shopping, restaurants, parks, medical facilities, Fishermen’s Village, the historic downtown Punta Gorda district, and endless year-round community events. Optional membership to the nearby Twin Isles Country Club provides optional membership to championship golf, tennis, swimming, and an elegant clubhouse. This exceptional waterfront property offers the perfect blend of luxury, comfort, and the ultimate Florida boating lifestyle. Meticulously maintained with pride in ownership. Schedule your private showing today!

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,748

Sqft

0.25 ac

Lot size

2

Garage

1998

Year built

One

Levels

$344

Per sqft

Private poolWaterfrontPool & Water viewFurnishedPets allowed

Inside

FlooringCarpet · Ceramic Tile · Engineered Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Open Floorplan · Solid Surface Counters · Split Bedroom · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionBlock · Brick · Stucco
FoundationSlab
ViewPool · Water
FacesSoutheast
ParkingDriveway · Garage Door Opener · Oversized
ExteriorHurricane Shutters · Irrigation System · Lighting · Outdoor Shower · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

HOA fee$4/mo
Taxes (2025)$12,239/yr
PetsYes
CommunityDeed Restrictions

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Sewer 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 and the real association fee — not generic estimates.

$6,637 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,099
PMI (est., until 20% equity)$354
Property tax — 2025 actual bill$1,020
HOA fee — from the listing$4
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $94,500Loan30-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% · $94,500
Interest rate6.00%
Loan term

Estimated payment

$6,637/mo

Principal & interest$5,099
PMI (est., until 20% equity)$354
Property taxes (actual bill)$1,020
HOA / condo fee$4
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 $945K
$889KedgeAI estimate $985,009 · range $927K$1.1M$1.2M

vs edgeAI estimate

−4.1%

$/sqft vs PUNTA GORDA ISLES SEC 15

$344 vs $318

Days on market

63 vs 62 typical

Where $344/sqft sits among the 17 homes for sale in PUNTA GORDA ISLES SEC 15

4
7
1 · this home
1
2
2
$215–276$276–336$336–397$397–458$458–518$518+

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 Burnt Store Isles

Map of 436 VALLETTA COURT

Get to know Punta Gorda. See the full Punta Gorda guide →

Burnt Store Isles — neighborhood snapshot

Population

2,266

Median age

69

Median income

$91,652

Median home value

$631,300

Avg household

2

Households w/ children

69%

For the school run

Charlotte County School District

HighCharlotte High School★★★★★
ElementarySallie Jones Elementary 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$345K

Punta Gorda median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

9 of 17

PUNTA GORDA ISLES SEC 15 have cut their price

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

This home is listed 257% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

CurrentPrice reduced to $945,000 $40K
Jun 9, 2026Listed at $985,000 · 63 days on market since
1998Built · PUNTA GORDA ISLES SEC 15

Reality check

What actually sold near 436 VALLETTA COURT

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

518 MONACO DRIVESold · Apr ’26

$825,000

518 MONACO DRIVE · same community

3 bd · 2 ba · 2,741 sqft · $301/sqft · 135 DOM

518 SAINT GIRONS COURTSold · Jun ’26

$785,000

518 SAINT GIRONS COURT · same community

3 bd · 3 ba · 2,714 sqft · $289/sqft · 19 DOM

3507 TERIN COURTSold · Dec ’25

$1,000,000

3507 TERIN COURT · same community

3 bd · 3 ba · 2,854 sqft · $350/sqft · 394 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.

Shawn Headley

Your agent

Shawn Headley

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 436 VALLETTA COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 436 VALLETTA COURT — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

436 VALLETTA COURT FAQs

What would the monthly payment be for 436 VALLETTA COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,637/mo — principal and interest, the actual property-tax bill, the $4/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 436 VALLETTA COURT?+

The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 436 VALLETTA COURT?+

The most recent tax bill on record (2025) was $12,239. 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 436 VALLETTA COURT?+

The listing reports pets: 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 $945,000, this home is listed about 179% above the Punta Gorda median of $339,094. The market section on this page shows how the area is trending.

Which schools are assigned to 436 VALLETTA COURT?+

Charlotte High School (high), Sallie Jones Elementary School (elementary), 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

$945,000 runs 257% above the PUNTA GORDA 33950 median — but at 2,748 sqft it's also 64% 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

Charlotte High School, Sallie Jones Elementary 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 $985,000, now $945,000 — a $40K cut. The full history is in the market section below.

Listing courtesy of RE/MAX HARBOR REALTY · Terry Morrison. MLS #C7526794.

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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436 VALLETTA COURT, PUNTA GORDA, FL — 3 Bed, 2.5 Bath — $945,000 | CENTURY 21 Edge