3148 HIGHLANDS ROAD, PUNTA GORDA, FL, 33983
Pending35 days on marketListed Jun 30, 2026MLS #C7527876
About this home
3148 HIGHLANDS ROAD
Build your Florida dream home on this beautiful residential lot in the desirable Harbour Heights community of Punta Gorda! This peaceful waterfront neighborhood is known for its Old Florida charm, public water access, and convenient location with easy access to I-75, making travel to Punta Gorda, Port Charlotte, Fort Myers, and Sarasota a breeze. Residents enjoy Harbour Heights Park featuring a public boat ramp with access to the Peace River, Charlotte Harbor, and the Gulf of Mexico, along with fishing, tennis courts, basketball courts, playgrounds, picnic pavilions, and scenic green space. You'll also be just a short drive from Historic Downtown Punta Gorda, Fishermen's Village, golf courses, shopping, dining, and the Punta Gorda Airport. Whether you're ready to build your dream home or invest in Southwest Florida's growing market, this property offers an excellent opportunity. Drive by today and make your offer! This lot may qualify for up to 90% financing.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$276 /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
$276/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.
Where it sits
Inside Punta Gorda
Get to know Punta Gorda. See the full Punta Gorda guide →
PUNTA GORDA 33983 — neighborhood snapshot
Population
18,230
Median age
56.6
Median income
$67,705
Median home value
$324,100
Avg household
2.31
Households w/ children
1,552
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)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% below the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3148 HIGHLANDS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3148 HIGHLANDS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3148 HIGHLANDS ROAD FAQs
What would the monthly payment be for 3148 HIGHLANDS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $276/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 3148 HIGHLANDS ROAD?+
The most recent tax bill on record (2025) was $483. 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 $12,000, this home is listed about 96% below the Punta Gorda median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3148 HIGHLANDS ROAD?+
Deep Creek Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of ANYTIME REALTY LLC · Joseph Ciarla. MLS #C7527876.
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.
Never miss a listing
New Punta Gorda homes, in your inbox
Like 3148 HIGHLANDS ROAD but not quite? A daily digest of every new listing in Punta Gorda — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tommy to ping you on any price or status change →