CENTURY 21 Edge
$430,0003 bd2 ba1,682 sqft$256 /sqft≈$3,584 /mo all-in ↓

4000 BAL HARBOR BOULEVARD UNIT 517, PUNTA GORDA, FL, 33950

Active33 days on marketListed Oct 5, 2026MLS #C7531539

WaterfrontFully furnishedCondominiumSPINNAKER POINT PH 05 BLDG 05

About this home

4000 BAL HARBOR BOULEVARD UNIT 517

Welcome to your dream waterfront retreat at Spinnaker Point. This spacious 3 bedroom, 2 bathroom ground level end unit condominium with southern rear exposure is located in Punta Gorda Isles known for its 45 miles of navigable canals and perfect coastal living. Unit 517 features include: Large two door storage closet on lanai with hand painted sailing mural, new luxury vinyl plank flooring in living areas, new carpet in primary bedroom suite, updated kitchen including granite counters, new refrigerator with ice and water dispenser and refinished cabinets. AC replaced Nov 2023. Freshly painted interior, new wood blinds in living room, hurricane grade windows throughout, easy to operate accordion style storm shutters, new ceiling fan in third bedroom with three types of LED lighting, flush mount LED ceiling lights in main hallway, new chandelier in dining room. With its prime location, you'll experience the perfect blend of serenity and convenience. As you step into this fully furnished condo, you'll be immediately captivated by the water view. Watch boats from the comfort of your private lanai. This well-appointed condo offers three bedrooms and two full bathrooms, providing space for relaxation and entertaining guests. With an open floor plan, the living and dining areas flow seamlessly, creating a welcoming atmosphere. The open kitchen with upgraded appliance package, plenty of cabinet space and a breakfast bar is perfect for the aspiring home chef or a quick morning coffee. The primary bedroom suite features en-suite bathroom and a large walk-in closet. The two guest bedrooms are very spacious, each with their own large closet providing plenty of room for your guests. The third bedroom is perfect for a home office, den or a craft room. Interior laundry room for added convenience features a washer and dryer, cabinets and closet space. You can take comfort in knowing that you can weather storms with storm protection with the highest-grade storm windows throughout. The lanai can be used year-round with its removable vinyl track windows, which help to keep it clean and free from rain while keeping the room cool. The community provides residents with access to a range of amenities, including two new pickle ball courts, tennis court, heated swimming pool with an ice machine. Community offers boat slips for power or sailboats up to 30ft, included in fees on first come first serve basis, less than ten minutes to Charlotte Harbor by boat. Plenty of car parking with one assigned parking space for each unit and open guest parking. All buildings within the community had new roof installed in 2023. Water enthusiasts will revel in the opportunity to access a boat dock, allowing you to set sail right from your doorstep into the waters of Charlotte Harbor which exits out to the Gulf of Mexico. You’ll be about five minutes to Ponce De Leon Park with glorious sunsets. Punta Gorda is renowned for Fishermen’s Village, a short drive away offering a variety of restaurants, shops and attractions. Enjoy the convenience of downtown, Golf, nearby schools, parks and easy access to major highways. This rarely available, 3-bedroom corner/end unit condo with 1682 total square feet under air also includes an additional Lanai with 232 square feet. Don’t miss this opportunity to own a piece of paradise in Punta Gorda Isles. This waterfront, fully furnished condo is ready to move in without any work at all and offers the perfect blend of space, comfort and views.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,682

Sqft

1989

Year built

One

Levels

$256

Per sqft

WaterfrontWater viewFurnished

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorOpen Floorplan · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingAssigned · Guest · Open
ExteriorSidewalk · Sliding Doors

Community & fees

Taxes (2025)$3,381/yr
PetsCats OK, Dogs OK, Number Limit
CommunityCanal Front · Dock · Fishing · Water Access · Waterfront · Buyer Approval Required · Community Mailbox · Deed Restrictions · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,584 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$2,952
FHA mortgage insurance (est.)$190
Property tax — 2025 actual bill$282
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,050Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,050
Interest rate7.50%
Loan term

Estimated payment

$3,584/mo

Principal & interest$2,952
FHA mortgage insurance (est.)$190
Property taxes (actual bill)$282
Est. insurance$160

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.

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.

List $430K
$282KedgeAI estimate $310,813 · range $294K–$341K$447K

vs edgeAI estimate

+38.3%

$/sqft vs Punta Gorda actives

$256 vs $208

Days on market

33 vs 65 typical

Where $256/sqft sits among the 400 Punta Gorda actives

135
145
38 · this home
32
21
29
$128–184$184–240$240–296$296–352$352–408$408+

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

ElementarySallie Jones Elementary School★★★★★
HighCharlotte High School★★★★★
MiddlePunta Gorda Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Punta Gorda market

Seller’s marketBalanced — 5.5 months of inventoryBuyer’s market

$325K → $340K

Punta Gorda median sold, yr/yr

95.3%

Sale-to-list ratio (12 mo)

175 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 46% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

Oct 5, 2026Listed at $430,000 · 33 days on market since
1989Built · SPINNAKER POINT PH 05 BLDG 05

Reality check

What actually sold near 4000 BAL HARBOR BOULEVARD UNIT 517

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4000 BAL HARBOR BOULEVARD UNIT 127Sold · May ’26

$267,500

4000 BAL HARBOR BOULEVARD UNIT 127

3 bd · 2 ba · 1,682 sqft · $159/sqft · 261 DOM

1519 ATARES DRIVE UNIT 112Sold · Dec ’25

$264,500

1519 ATARES DRIVE UNIT 112

3 bd · 2 ba · 1,618 sqft · $163/sqft · 15 DOM

3762 WHIPPOORWILL COURTSold · Jun ’26

$461,000

3762 WHIPPOORWILL COURT

3 bd · 2 ba · 1,615 sqft · $285/sqft · 19 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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about 4000 BAL HARBOR BOULEVARD UNIT 517 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4000 BAL HARBOR BOULEVARD UNIT 517 — before you fall in love.

See it in person

Schedule a tour

Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

4000 BAL HARBOR BOULEVARD UNIT 517 FAQs

What would the monthly payment be for 4000 BAL HARBOR BOULEVARD UNIT 517?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,584/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 4000 BAL HARBOR BOULEVARD UNIT 517?+

The most recent tax bill on record (2025) was $3,381. 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 4000 BAL HARBOR BOULEVARD UNIT 517?+

The listing reports pets: 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 $430,000, this home is listed about 20% 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 4000 BAL HARBOR BOULEVARD UNIT 517?+

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

$430,000 runs 46% above the PUNTA GORDA 33950 median.

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.

Listing courtesy of RE/MAX PALM REALTY · Shauna Platt. MLS #C7531539.

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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