120 6TH STREET, PUNTA GORDA, FL, 33982
Active23 days on marketListed Oct 15, 2026MLS #C7532004
About this home
120 6TH STREET
Furnished Waterfront Home with Private Dock in Lazy Lagoon – Punta Gorda, FL! Welcome to your next waterfront adventure! This furnished, move-in-ready 2-bedroom, 2-bath home with a private dock and electricity is nestled in the highly desirable 55+ Lazy Lagoon community. Enjoy the charm of waterfront living, a spacious layout, and a wealth of community amenities in one inviting package. With so much to offer, this home makes it easy to settle in and start enjoying the Florida lifestyle! Step inside and discover an open floor plan that feels bright, roomy, and welcoming. The living room features a ceiling fan, while the kitchen brings style and function together with white raised-panel cabinets, granite countertops, and a stove. Need extra space to relax or entertain? The huge family room offers plenty of room to spread out and enjoy your favorite activities. Both bedrooms are spacious, giving you comfort and flexibility. The home features two full bathrooms with their own special touches. One includes dual sinks, a tub and shower combination, and glass doors. The second features a Roman shower for a fresh, classic look. You’ll also appreciate the convenience of an inside laundry room. Luxury vinyl flooring runs throughout the entire home, adding a clean, modern look with easy-care appeal. Outside, marble chip rock surrounds the home for a neat, finished appearance. And with your own private dock equipped with electricity, you can enjoy easy access to the waterfront right from home! Enjoy the Lazy Lagoon Waterfront Lifestyle! Lazy Lagoon is more than just a neighborhood—it’s a vibrant waterfront community packed with ways to relax, play, and connect. The community features private roads, extra guest parking, and an exclusive boat ramp for easy access to Shell Creek. Love to fish? A convenient fish cleaning station makes it easy to handle your catch. The impressive 2,000-square-foot clubhouse, complete with a commercial kitchen, serves as the hub for community events and gatherings throughout the year. Stay active with shuffleboard courts, enjoy a friendly game of billiards, or spend time in the pool room. Boating fans will also appreciate more than 2,000 feet of maintained community shoreline. Need a place to keep your boat or trailer? A private, secured storage compound is available for a small annual fee. A Convenient Punta Gorda Location. When it’s time to explore, you’re just minutes from Punta Gorda’s excellent dining, shopping, waterfront parks, and entertainment. Enjoy the perfect mix of peaceful waterfront surroundings and convenient access to local favorites. Don’t miss this opportunity to enjoy waterfront living in Lazy Lagoon, a well-maintained, amenity-rich 55+ community. With its furnished, move-in-ready interior, private dock with electricity, spacious rooms, and outstanding community features, this home is ready for its next chapter. Schedule your private tour today and discover all that this special waterfront home and Lazy Lagoon have to offer!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
624
Sqft
0.07 ac
Lot size
1972
Year built
One
Levels
$222
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.
$1,550 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,550/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.
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
+0.9%
$/sqft vs Punta Gorda actives
$222 vs $207
Days on market
23 vs 65 typical
Where $222/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 33982 — neighborhood snapshot
Population
12,543
Median age
53.1
Median income
$68,514
Median home value
$285,400
Avg household
2.24
Households w/ children
1,033
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)
173 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 10% below the PUNTA GORDA 33982 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 120 6TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$165,000
135 LAZY LAGOON DRIVE · same community
2 bd · 2 ba · 1,372 sqft · $120/sqft · 158 DOM
Sold · Aug ’26$150,000
5302 SWAYING PALM DRIVE
1 bd · 1 ba · 672 sqft · $223/sqft · 8 DOM
Sold · Mar ’26$55,000
43 4TH STREET
1 bd · 1 ba · 559 sqft · $98/sqft · 199 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 120 6TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 6TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
120 6TH STREET FAQs
What would the monthly payment be for 120 6TH STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,550/mo — principal and interest, the actual property-tax bill, the $210/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 120 6TH STREET?+
The association fee works out to $210 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 120 6TH STREET?+
The most recent tax bill on record (2025) was $1,991. 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 120 6TH STREET?+
The listing reports pets: No. 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 $138,800, this home is listed about 61% below the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 120 6TH STREET?+
East Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · Rhonda Gustitus. MLS #C7532004.
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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