39 EMDEN CIRCLE, PUNTA GORDA, FL, 33950
Active22 days on marketListed Aug 29, 2026MLS #C7530040
About this home
39 EMDEN CIRCLE
Welcome to this fully updated, waterfront, sailboat access to the gulf, open concept contemporary design, Palm Harbour manufactured home in the 55+ resident owned community of Windmill Village. In approximately 1510 sq ft. there are 2 bedrooms, each with extended walk in closets. There are 2 bathrooms, both with new comfort height toilets. Guest bathroom with proper heated jacuzzi with quartz seating. Primary ensuite with enlarged zero threshold shower, realistic sized quartz seating, marble flooring, floor to ceiling storage closets, extra daylight with a 2' x 4' skylight. A second large skylight is in the front entrance, both impact resistant. The laundry room is a centre house dedicated space. The custom made kitchen has quartz counters and backsplash, full height upper cabinetry with additional shelving, under counter storage features large drawers. The counter is double width providing comprehensive entertainment and work space, c/w power monuments and additional lower cabinet space. The main living room with floor to ceiling windows faces west to the unobstructed view of the marina, which has a brand new seawall, the sunroom / flex room / bedroom / tv room looks out at the landscaped yard and the marina, it has an air conditioned walk through storage area or closet with an exit to the outside of the house. Which boasts a covered double car drive. The home has a double door shed, with large utility sink and extensive storage above and below a nice workbench. The entire house has recent waterproofing where all gardens have been installed. There are tastefully designed patio areas with pavers in spaces to enjoy time entertaining or doing nothing. Updates include: new ductwork, new 14 mil vapor barrier, 21 new tie downs, fully screened undercarriage, 2023 AC system with coated coils, 40 gallon water heater, water softener, dishwasher, flush mount microwave with enlarged exhaust vent. Renovations included reinforced flooring, improved electrical wiring, fire/sound-bat insulation in walls. Along with reinforced backers for wall hanging support. Windmill Village offers an active adult lifestyle. Enjoy two private marinas, boat ramp, horseshoe pits, shuffleboard, bocce, billiards, indoor pickleball, a large community center with shows and events, a library, numerous hobby clubs, a woodworking shop, an outdoor pavilion, beside a beautiful heated pool. The low monthly HOA fee covers water, trash, lawn care, common area upkeep, and road maintenance. The purchase price does not include the $20,285 buy-in share and bond, which is fully refundable upon sale. Please contact us to schedule your private showing.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,510
Sqft
0.12 ac
Lot size
1994
Year built
One
Levels
$230
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.
$2,810 /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
$2,810/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
+39.3%
$/sqft vs WINDMILL VILLAGE
$230 vs $152
Days on market
22 vs 63 typical
Where $230/sqft sits among the 31 homes for sale in WINDMILL VILLAGE
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 →
The numbers that matter
The Punta Gorda market
$345K → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
19 of 31
WINDMILL VILLAGE have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% above the Punta Gorda median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 39 EMDEN CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$290,000
78 WINDMILL BOULEVARD · same community
2 bd · 2 ba · 1,512 sqft · $192/sqft · 13 DOM
Sold · Jul ’26$137,000
19 HOLLAND DRIVE · same community
2 bd · 2 ba · 1,512 sqft · $91/sqft · 18 DOM
Sold · Oct ’25$290,000
70 WINDMILL BOULEVARD · same community
3 bd · 2 ba · 1,512 sqft · $192/sqft · 252 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 39 EMDEN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39 EMDEN CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
39 EMDEN CIRCLE FAQs
What would the monthly payment be for 39 EMDEN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,810/mo — principal and interest, the actual property-tax bill, the $268/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 39 EMDEN CIRCLE?+
The association fee works out to $268 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 39 EMDEN CIRCLE?+
The most recent tax bill on record (2025) was $2,155. 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 39 EMDEN CIRCLE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit. 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 $348,000, this home is listed about 3% above the Punta Gorda median of $339,094. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of SELLSTATE VISION REALTY · Wendy Decker. MLS #C7530040.
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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