4310 PALM DRIVE, PUNTA GORDA, FL, 33950
Active42 days on marketListed Jun 25, 2026MLS #C7527719
About this home
4310 PALM DRIVE
SAILBOAT ACCESS WATERFRONT HOME IN PUNTA GORDA | 75 FEET OF CANAL FRONTAGE WITH PRIVATE DOCK & BOAT LIFT! Experience the Florida boating lifestyle from this beautifully maintained 2 bedroom, 2 bathroom waterfront home offering sailboat access and 75 feet of canal frontage. Complete with a private 16' x 6' dock and 8,500-lb boat lift, this property provides quick access to Charlotte Harbor and beyond. Inside, a bright open floor plan, beautiful water views, and inviting living spaces create the perfect setting for both everyday living and entertaining. Thoughtfully updated with impact windows, a new A/C in 2025, flood protection features, and numerous exterior improvements, this home is ready to enjoy. Whether you're relaxing in the Florida room or heading out on the water, this property delivers the best of Punta Gorda waterfront living. INTERIOR FEATURES • 2 bedrooms, 2 bathrooms • 1-car garage • Bright and open floor plan • Tile flooring throughout the main living areas • Beautiful canal views • Spacious living and dining areas • Designed for comfortable everyday living and entertaining • Abundant natural light throughout • Impact windows throughout • Custom wood blinds • New A/C (2025) • Recently painted interior KITCHEN FEATURES • Eat-in kitchen • Stainless steel appliances • Quartz countertops • Breakfast bar seating • Ample cabinet and counter space • Open layout overlooking the main living areas • Functional design for entertaining PRIMARY SUITE • Spacious primary bedroom • Canal views • Walk-in closet • En-suite bathroom • Single-sink vanity • Walk-in shower • Private waterfront retreat GUEST ACCOMMODATIONS • Guest bedroom with built-in closet • Guest bathroom located separately from the primary suite for added privacy • Convenient access from the laundry room and main living areas • Comfortable space for family and visitors FLORIDA LIVING FEATURES • Florida room with beautiful canal views • Double-insulated windows in Florida room • Fabric hurricane panels for added storm protection • Expanded indoor living and entertaining space • Outdoor patio ideal for grilling and additional seating • Relaxing waterfront setting • Perfect for enjoying Southwest Florida's year-round sunshine WATERFRONT FEATURES • Sailboat-access canal • 75 feet of waterfront frontage • Private 16' x 6' dock • 8,500-lb boat lift • Direct access to Charlotte Harbor and the Gulf of Mexico from Alligator Creek • Excellent boating and fishing opportunities • Cast a line or launch your next adventure from your backyard EXTERIOR & IMPROVEMENTS • Flood gates for garage door • Flood gates for front and rear entry doors • Updated landscape curbing • Paver walkways and outdoor accents • Newer gutters • Recently painted exterior • Well-maintained waterfront property LOCATION HIGHLIGHTS • Located in desirable Punta Gorda • Convenient access to boating, fishing, and waterfront recreation • Close to shopping, dining, and everyday conveniences • Near Fishermen's Village • Easy access to parks, golf courses, and local attractions • Short drive to Gulf beaches Whether you're searching for a seasonal getaway, waterfront investment property, or full-time residence, this sailboat-access home offers the perfect combination of comfort, convenience, peace of mind, and boating access in one of Punta Gorda's most sought-after waterfront settings. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,434
Sqft
0.17 ac
Lot size
1
Garage
1970
Year built
One
Levels
$279
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.
$2,795 /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
$2,795/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
+33.7%
$/sqft vs Punta Gorda actives
$279 vs $208
Days on market
42 vs 59 typical
Where $279/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
Get to know Punta Gorda. See the full Punta Gorda guide →
PUNTA GORDA 33950 — neighborhood snapshot
Population
24,492
Median age
64.6
Median income
$74,484
Median home value
$393,500
Avg household
1.98
Households w/ children
1,614
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)
193 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 49% 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 4310 PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$450,000
4226 PALM DRIVE · same community
3 bd · 2 ba · 1,566 sqft · $287/sqft · 4 DOM
Sold · May ’26$468,000
4210 PALM DRIVE · same community
3 bd · 3 ba · 1,798 sqft · $260/sqft · 316 DOM
Sold · Apr ’26$382,000
5479 RIVER BAY DRIVE
2 bd · 2 ba · 1,352 sqft · $283/sqft · 377 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 4310 PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4310 PALM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4310 PALM DRIVE FAQs
What would the monthly payment be for 4310 PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,795/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 4310 PALM DRIVE?+
The most recent tax bill on record (2025) was $1,244. 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 4310 PALM DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $399,900, this home is listed about 17% above the Punta Gorda median of $343,250. The market section on this page shows how the area is trending.
Which schools are assigned to 4310 PALM DRIVE?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$399,900 runs 49% above the PUNTA GORDA 33950 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $414,990, now $399,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · April Emil. MLS #C7527719.
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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