420 SOMERSET ROAD, PUNTA GORDA, FL, 33950
Active45 days on marketListed Aug 26, 2026MLS #C7530017
About this home
420 SOMERSET ROAD
Move out of the parent's home! Or have an affordable retirement home, rent this Annual 2/1 with covered car port. Available 11-1 (or possibly a few days sooner) Rent $1275 and sec dep $1200. Updated top to bottom cozy cutie, big back yard -partially fenced. Newer mechanicals, newer appliances and floors, cabinets, vanity, hurricane windows -efficient and close to everything Punta Gorda! Economical and will accept a qualified small pet with extra deposit. This will not last long due to great location to 75, airport, US41, restaurants, close to where you might work and play. Punta Gorda where you can enjoy the shores of Charlotte Harbor with its spectacular sunset views, incredible boating, sailing and fishing, a vibrant downtown quaint Punta Gorda with its' variety of quality nationally recognized restaurants and boutiques, shopping, several golf courses, the Pickle Plex and easy access to US-41 and I-75. It's home to many events including a Saturday Farmer's Market, FISHERMAN'S VILLAGE, SUNSEEKERS RESORT, wine walks, LIVE MUSIC, art fairs, boat tours, convenience to the Punta Gorda airport (one of Allegiant Airlines tropical destinations) and just 30 mins to Ft Myers airport, 18 miles of bike and pedestrian trails connecting this fabulous city.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
720
Sqft
0.32 ac
Lot size
1963
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$169 /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
$169/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Punta Gorda actives
$2 vs $201
Days on market
45 vs 88 typical
Where $2/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 → $332K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
221 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 100% 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 420 SOMERSET ROAD
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$270,500
536 PEACOCK ROAD · same community
3 bd · 2 ba · 1,134 sqft · $239/sqft · 25 DOM
Sold · Mar ’26$340,000
3774 WAKE AVENUE · same community
3 bd · 2 ba · 1,250 sqft · $272/sqft · 86 DOM
Sold · Dec ’25$437,000
3755 WAKE AVENUE · same community
3 bd · 2 ba · 1,281 sqft · $341/sqft · 34 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 420 SOMERSET ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 SOMERSET ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
420 SOMERSET ROAD FAQs
What would the monthly payment be for 420 SOMERSET ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $169/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 420 SOMERSET ROAD?+
The listing reports pets: Size Limit, 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 $1,275, this home is listed about 100% below the Punta Gorda median of $349,900. The market section on this page shows how the area is trending.
Which schools are assigned to 420 SOMERSET ROAD?+
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.
Keep looking
Similar homes nearby
Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · Libbie Scherer. MLS #C7530017.
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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