4000 BAL HARBOR BOULEVARD UNIT 223, PUNTA GORDA, FL, 33950
Active66 days on marketListed Jun 5, 2026MLS #C7526925
About this home
4000 BAL HARBOR BOULEVARD UNIT 223
Spinnaker Point is one of the most sought after condominium developments in the boating and golf community of Punta Gorda Isles. As a pristinely maintained and well managed development, Spinnaker Point offers the homeowner a very affordable way to enjoy the active Florida lifestyle you’ve always envisioned for yourself. Within this waterfront community is a meticulously maintained, turn-key, condominium that shows a welcoming pride of ownership once you enter through the front door. Soaring ceilings reaching almost 12.5 ft. in height are captivating and enhance the open living area. A spacious kitchen, large enough to host events for your friends has been updated, featuring shaker style wood cabinetry that is complimented by the clean lines of rich granite counters, stainless steel appliances and matching hardware. Subtle architectural details to display your decorative accessory pieces further enhance this culinary focal point of the home. A breakfast bar transitions to the dining and living room area providing space to display your favorite culinary dishes, or just to enjoy simple casual dining. The living room is deceptively spacious and is further enhanced by sliding glass doors that open to a screened in covered lanai that overlooks the tranquil canal waters and dockage below. The bedroom suites offer a peaceful ambiance of their own with the primary bedroom featuring an en suite bath with updates and a walk-in closet. A friendly community offering a heated pool, tennis court and dock space for your boat on a first come first serve basis with the HOA fee including water and trash. Envision yourself boating from your own backyard to the expansive waters of Charlotte Harbor and the gulf islands beyond. Within a short drive to golf, a host of area waterfront parks and trails, downtown shops, restaurants, year-round farmer’s markets and the famed Fisherman’s Village, you couldn’t ask for a more affordable way to enjoy all the Florida lifestyle has to offer whether as a winter getaway, or to enjoy year-round. Turn-key, excluding some personal items, this is a piece of paradise you’ll be proud to call “Home.”
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,110
Sqft
0.03 ac
Lot size
1989
Year built
One
Levels
$225
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.
$2,497 /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
$2,497/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
+17.3%
$/sqft vs Punta Gorda actives
$225 vs $206
Days on market
66 vs 62 typical
Where $225/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)
196 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 6% 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 4000 BAL HARBOR BOULEVARD UNIT 223
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$200,000
4000 BAL HARBOR BOULEVARD UNIT 126
2 bd · 2 ba · 1,110 sqft · $180/sqft · 38 DOM
Sold · Feb ’26$370,000
5464 RIVER BAY DRIVE
2 bd · 2 ba · 1,152 sqft · $321/sqft · 24 DOM
Sold · Feb ’26$245,000
3920 BAL HARBOR BOULEVARD UNIT B1
2 bd · 2 ba · 1,183 sqft · $207/sqft · 55 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4000 BAL HARBOR BOULEVARD UNIT 223 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4000 BAL HARBOR BOULEVARD UNIT 223 — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4000 BAL HARBOR BOULEVARD UNIT 223 FAQs
What would the monthly payment be for 4000 BAL HARBOR BOULEVARD UNIT 223?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,497/mo — principal and interest, the actual property-tax bill, the $563/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 4000 BAL HARBOR BOULEVARD UNIT 223?+
The association fee works out to $563 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4000 BAL HARBOR BOULEVARD UNIT 223?+
The most recent tax bill on record (2025) was $2,306. 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 4000 BAL HARBOR BOULEVARD UNIT 223?+
The listing reports pets: Cats OK, Dogs OK. 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 $250,000, this home is listed about 26% 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 4000 BAL HARBOR BOULEVARD UNIT 223?+
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
01Under the PUNTA GORDA 33950 market on paper
$250,000 is 6% below the PUNTA GORDA 33950 median of $264,999, and at $225/sqft it sits under the Punta Gorda average of $229.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $563/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HARBOR REALTY · Gary Cardillo. MLS #C7526925.
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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