
454 MONACO DRIVE, PUNTA GORDA, FL, 33950
Active28 days on marketListed Jul 6, 2026MLS #C7527953
About this home
454 MONACO DRIVE
Experience waterfront living at its finest — a move-in-ready, single-story retreat combining the best of Punta Gorda Isles and Burnt Store Isles-style conveniences. This beautifully maintained 3-bedroom, 2-bath home offers 2,213 sq ft of heated/cooled living space (3,155 sq ft total) on a generous 9,601 sq ft lot, delivering comfortable everyday living and spectacular canal sunset views. Standout features: Prime waterfront lot with direct canal exposure and stunning sunset views — enjoy tranquil evenings on the lanai as golden light dances across the water. Single-level floorplan with a practical split-bedroom layout for privacy: a spacious primary suite plus two additional bedrooms and two full baths. Large, open living room (approx. 19 x 18) and a separate family room provide versatile spaces for entertaining, relaxing, or creating private nooks. Bright, airy kitchen (approx. 13 x 12) with solid-surface counters, solid wood cabinetry, breakfast bar, and an open flow to the family room — ideal for culinary enthusiasts and casual gatherings. Tile in main living areas and plush carpet in the primary bedroom for comfort and easy upkeep. Included appliances: dishwasher, disposal, microwave, refrigerator, dryer, and electric water heater. Outdoor living & structure: Private in-ground gunite pool with lighting, fully screened enclosure and sliding-door access from the living area — perfect for year-round Florida leisure and sunset-watching. Block & stucco construction, tile roof, slab foundation, exterior lighting and irrigation — well-maintained and built for comfortable coastal living. Attached 2-car garage with paved road access; pets allowed (with approval). No HOA or CDD fees — rare and valuable in a desirable waterfront neighborhood. Comfort & convenience: Central A/C & heat, attic fan, ceiling fans, thermostat, window treatments and a dedicated laundry area. Utilities: public water and sewer; electricity, cable and high-speed internet available. Location benefits: Nestled in a sought-after Punta Gorda neighborhood with the relaxed, boating-friendly lifestyle of Burnt Store/Boca-style communities: winding canals, nearby marinas and scenic waterfront parks. Close to golf courses, waterfront dining, top-rated schools, shopping and essential services — perfect for families, professionals, or seasonal residents looking for convenience and leisure. Sunset-facing canal orientation makes this property ideal for entertaining, vacation rentals, or those seeking a permanent Florida sanctuary. This exceptional home blends comfortable, functional living spaces with an outdoor oasis and a premier water-view location. Schedule a private showing today to experience the sunset view and effortless Florida lifestyle in person.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,213
Sqft
0.22 ac
Lot size
2
Garage
1984
Year built
One
Levels
$221
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.
$4,051 /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
$4,051/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
−20.8%
$/sqft vs PUNTA GORDA ISLES SEC 15
$221 vs $333
Days on market
28 vs 59 typical
Where $221/sqft sits among the 17 homes for sale in PUNTA GORDA ISLES SEC 15
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 → $345K
Punta Gorda median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
8 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 83% 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 454 MONACO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$565,000
325 MADRID BOULEVARD · same community
3 bd · 2.5 ba · 2,236 sqft · $253/sqft · 225 DOM
Sold · Dec ’25$679,000
3700 CANDIA DRIVE · same community
3 bd · 2.5 ba · 2,174 sqft · $312/sqft · 1 DOM
Sold · Aug ’25$530,000
3398 TRIPOLI BOULEVARD · same community
3 bd · 2.5 ba · 2,262 sqft · $234/sqft · 72 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 454 MONACO DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 454 MONACO DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
454 MONACO DRIVE FAQs
What would the monthly payment be for 454 MONACO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,051/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 454 MONACO DRIVE?+
The most recent tax bill on record (2025) was $9,557. 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 454 MONACO DRIVE?+
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 $489,000, this home is listed about 42% above the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 454 MONACO 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
$489,000 runs 83% above the PUNTA GORDA 33950 median — but at 2,213 sqft it's also 29% larger than the typical Punta Gorda listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $499,000, now $489,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP MVP · Chadwick Knight. MLS #C7527953.
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 454 MONACO DRIVE 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 Donna to ping you on any price or status change →


