CENTURY 21 Edge
$759,0003 bd3 ba2,495 sqft$304 /sqft≈$5,516 /mo all-in ↓

197 TROPICANA DRIVE UNIT 1522, PUNTA GORDA, FL, 33950

Active23 days on marketListed Oct 15, 2026MLS #C7532076

WaterfrontCondominiumTARPON COVE PH 15

About this home

197 TROPICANA DRIVE UNIT 1522

Luxury Waterfront Living at Its Finest – Top-Floor Tarpon Cove Condo with Private Elevator and Deeded Dock with 27,000-lb Lift Experience the perfect blend of luxury, privacy, and waterfront convenience in this stunning top-floor Cayo Costa II residence located in the coveted community of Tarpon Cove in Punta Gorda Isles. With a deeded dock space (#12) & a 27,000-lb boat lift accommodating up to a 38-foot vessel, this property offers direct, sailboat-access boating to Charlotte Harbor with no bridges! From the moment you step inside, the attention to detail is unmistakable. The home’s elegant and cohesive renovations have created a bright, open-concept design that seamlessly connects each living space while capturing the beauty of the natural surroundings. Engineered maple hardwood floors provide a warm, neutral foundation that complements any style, while elevated ceilings and walls of windows invite abundant natural light and soothing water views from nearly every room. The floor plan offers flexibility with two large master suites, each featuring its own private ensuite bath and walk-in closet, plus a third bedroom and a spacious den or office conveniently located near the third full bathroom. The layout is ideal for hosting family and friends or for those who desire dedicated work-from-home space. And if stairs aren’t your thing, you’ll love the private elevator exclusive to this unit, offering effortless access directly from your oversized two-car garage (462 sq. ft.) to your main living level. The kitchen is a showpiece—designed for the passionate cook and entertainer alike. Exquisite quartz countertops, a generous island, recently extended for extra bar stools/eating space, and an abundance of cabinet and pantry storage make this a dream workspace. Entertaining is effortless in the expansive great room, featuring a custom feature wall with electric fireplace, and a bar and wine display that elevate the dining area into a true gathering space. From the screened lanai, take in the peaceful sights and sounds of the illuminated fountain—an enchanting backdrop for evening cocktails or morning coffee. Practical features blend seamlessly with the luxury details: impact-resistant glass and shutters for storm protection, a new roof installed in 2023, multiple walk-in closets, and an oversized laundry room with extra storage. Every inch of this residence has been carefully designed for comfort, beauty, and function. Set within Tarpon Cove’s 10-acre gated enclave, residents enjoy a carefree, maintenance-free lifestyle enhanced by a heated pool and spa, clubhouse, fitness center, and scenic sidewalks that wind through lush tropical landscaping. Boaters will appreciate the well-maintained concrete walkways leading to the private docks, each equipped with electric pedestals, dock boxes, and 30-amp service. Beyond the gates, you’re minutes from Fishermen’s Village, historic downtown Punta Gorda, waterfront parks, walking trails, golf, pickleball, and some of Southwest Florida’s most celebrated dining and entertainment destinations. Whether you’re seeking a seasonal retreat or a year-round residence, this condo offers the perfect balance of elegance, tranquility, and access to adventure. Live where every day feels like a getaway— schedule your private showing today and discover why Tarpon Cove remains one of Punta Gorda’s most desirable waterfront communities.BE SURE TO CLICK THE FULL VIRTUAL TOUR LINKS FOR DETAILS!

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,495

Sqft

2

Garage

2004

Year built

One

Levels

$304

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Elevator · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Walk-In Closet(s)
LaundryInside
CoolingCentral Air · Humidity Control
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNortheast
ExteriorRain Gutters

Community & fees

Taxes (2025)$3,542/yr
PetsYes
CommunityFishing · Marina · Waterfront · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Golf Carts OK · Pool

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · 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.

$5,516 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$4,776
PMI (est., until 20% equity)$285
Property tax — 2025 actual bill$295
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $75,900Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $75,900
Interest rate7.50%
Loan term

Estimated payment

$5,516/mo

Principal & interest$4,776
PMI (est., until 20% equity)$285
Property taxes (actual bill)$295
Est. insurance$160

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.

List $759K
$428KedgeAI estimate $488,334 · range $446K–$527K$789K

vs edgeAI estimate

+55.4%

$/sqft vs Punta Gorda actives

$304 vs $208

Days on market

23 vs 65 typical

Where $304/sqft sits among the 400 Punta Gorda actives

135
145
38
32 · this home
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 157% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

Oct 15, 2026Listed at $759,000 · 23 days on market since
2004Built · TARPON COVE PH 15

Reality check

What actually sold near 197 TROPICANA DRIVE UNIT 1522

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

1418 KINGLET DRIVESold · Aug ’26

$1,590,000

1418 KINGLET DRIVE

3 bd · 3.5 ba · 2,515 sqft · $632/sqft · 4 DOM

3800 CARUPANO COURTSold · Nov ’25

$1,425,000

3800 CARUPANO COURT

4 bd · 3 ba · 2,525 sqft · $564/sqft · 107 DOM

3508 BLUE JAY DRIVESold · Mar ’26

$745,000

3508 BLUE JAY DRIVE

3 bd · 3.5 ba · 2,448 sqft · $304/sqft · 0 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 197 TROPICANA DRIVE UNIT 1522 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 197 TROPICANA DRIVE UNIT 1522 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

197 TROPICANA DRIVE UNIT 1522 FAQs

What would the monthly payment be for 197 TROPICANA DRIVE UNIT 1522?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,516/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 197 TROPICANA DRIVE UNIT 1522?+

The most recent tax bill on record (2025) was $3,542. 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 197 TROPICANA DRIVE UNIT 1522?+

The listing reports pets: 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 $759,000, this home is listed about 111% 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 197 TROPICANA DRIVE UNIT 1522?+

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

$759,000 runs 157% above the PUNTA GORDA 33950 median — but at 2,495 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.

Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · Carla Nix. MLS #C7532076.

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.

Never miss a listing

New Punta Gorda homes, in your inbox

Like 197 TROPICANA DRIVE UNIT 1522 but not quite? A daily digest of every new listing in Punta Gorda — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Iain to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated November 7, 2026 at 5:56 AM UTC. The listing information on this page last changed on November 7, 2026 at 5:56 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on November 7, 2026 at 5:56 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: November 7, 2026 at 5:56 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.