4045 TURTLE DOVE CIRCLE, PUNTA GORDA, FL, 33950
Active9 days on marketListed Oct 29, 2026MLS #C7531271
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Upcoming open house
Sat, Nov 7
11:00 AM – 1:00 PM
About this home
4045 TURTLE DOVE CIRCLE
*** Quick Gulf Access *** Discover the Florida waterfront lifestyle in this highly desirable Punta Gorda waterfront neighborhood! This spacious 4-bedroom, 2 1/2 bath home sought-after sailboat access with no fixed bridges, making it an exceptional opportunity for boating enthusiasts looking to enjoy life on the water. The thoughtfully designed split-bedroom floor plan provides added privacy for homeowners and guests, while tile flooring throughout offers a clean, cohesive look and easy maintenance. The kitchen offers plenty of storage, granite counter tops, wood cabinets, stone tile back splash, a spacious pantry, and a beautiful view of the water, making it both functional and the home has a separate laundry room with a sink and an additional refrigerator provides extra convenience and storage. Step outside and embrace the best of Florida living with beautiful waterfront views, a screened-in pool enclosure, storage closet, paved lanai and a seawall maintained by the City of Punta Gorda. Enjoy fishing from your own backyard, kayaking along the waterways, or simply relaxing while taking in the surrounding wildlife and peaceful waterfront setting. For added peace of mind, the home features automatic, accordion and transparent hurricane shutters. Roof replaced in 2004, HVAC system updated in 2017, Water Heater replaced 2023. The location is hard to beat! Enjoy being less than 10 minutes from Fishermen’s Village and historic downtown Punta Gorda, where you’ll find shopping, restaurants, entertainment, and year-round activities. Golf enthusiasts will appreciate being less than 5 minutes from St. Andrews Golf Club. Whether you're an avid boater, a golf enthusiast, or simply looking to enjoy the relaxed Southwest Florida lifestyle, this waterfront property offers an outstanding combination of location, space, and recreation.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,484
Sqft
0.26 ac
Lot size
2
Garage
1988
Year built
One
Levels
$252
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.
$4,887 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,887/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−20.1%
$/sqft vs PUNTA GORDA ISLES SEC 14
$252 vs $377
Days on market
9 vs 65 typical
Where $252/sqft sits among the 31 homes for sale in PUNTA GORDA ISLES SEC 14
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 Isles
Get to know Punta Gorda. See the full Punta Gorda guide →
Punta Gorda Isles — neighborhood snapshot
Population
10,022
Median age
67
Median income
$107,800
Median home value
$636,862
Avg household
2
Households w/ children
293
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
$325K → $340K
Punta Gorda median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
15 of 31
PUNTA GORDA ISLES SEC 14 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 112% 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 4045 TURTLE DOVE CIRCLE
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$745,000
3508 BLUE JAY DRIVE · same community
3 bd · 3.5 ba · 2,448 sqft · $304/sqft · 0 DOM
Sold · May ’26$735,000
1353 THRASHER · same community
3 bd · 2.5 ba · 2,429 sqft · $303/sqft · 140 DOM
Sold · Mar ’26$780,000
1342 PINE SISKIN DRIVE · same community
3 bd · 2.5 ba · 2,405 sqft · $324/sqft · 37 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 4045 TURTLE DOVE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4045 TURTLE DOVE 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
4045 TURTLE DOVE CIRCLE FAQs
What would the monthly payment be for 4045 TURTLE DOVE CIRCLE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,887/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 4045 TURTLE DOVE CIRCLE?+
The most recent tax bill on record (2025) was $6,715. 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 $625,000, this home is listed about 74% above the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4045 TURTLE DOVE CIRCLE?+
Sallie Jones Elementary School (elementary), Charlotte High School (high), Punta Gorda Middle School (middle) — 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
$625,000 runs 112% above the PUNTA GORDA 33950 median — but at 2,484 sqft it's also 39% larger than the typical Punta Gorda listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Sallie Jones Elementary School, Charlotte High School, Punta Gorda Middle School — Sallie Jones Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Loriann Guzman. MLS #C7531271.
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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