
1117 SAN MATEO DRIVE, PUNTA GORDA, FL, 33950
Active19 days on marketListed Oct 19, 2026MLS #C7532125
About this home
1117 SAN MATEO DRIVE
Some homes make an impression with their scale. This one draws you in with its warmth. Through solid Honduran mahogany doors, natural light falls across travertine floors, rich wood tones soften the generous living spaces, and the eye travels through glass doors to the canal beyond. At 1117 San Mateo Dr in Punta Gorda Isles, exquisite materials and architectural detail create a deeply personal expression of luxury, as inviting for an evening with friends as it is for the simple rhythms of home. Set on more than .60 acres with 84 feet of sailboat waterfront, the residence offers 5,310 heated sqft, 5 bedrooms and 4.5 baths, including a private In-Law suite. Vaulted and custom tray ceilings give the rooms a graceful sense of scale, while substantial moldings, solid wood doors, faux painted walls and softly textured Venetian plaster finishes reward a closer look. The living room features a coral stone fireplace bringing warmth and character to a space made for lingering. The family room frames a long canal vista, keeping the water present throughout the day. Quartzite countertops, handcrafted Zellige tile and GE Monogram appliances give the kitchen its own quiet distinction, complemented by a wine cooler, Bosch dishwasher and Fisher & Paykel dish drawer. Adjacent, is an aquarium window wrapping the breakfast nook in views of the lanai, creating a lovely place for morning coffee before the house comes to life. Guests can drift from conversation by the fireplace to dinner beneath the approximately 1,500 sqft of covered and screened loggia, where a summer kitchen with granite countertops and a Kokomo grill makes cooking part of the occasion. There is room for a beautifully set table, an unhurried meal, and another hour together captivated by those spectacular Florida sunsets. The open air pool, shallow sun shelf & propane heated spa lend the setting the ease of a private resort, w/ the canal just beyond. A concrete dock w/water and lighting offers direct access onto Charlotte Harbor without fixed bridges. The primary suite carries that same sense of ease into a more private setting. Double doors open to the lanai, while Calacatta gold marble, Hansgrohe fixtures, a soaking tub & rain shower heads bring a rich, tactile beauty to the bath. Mannington Brazilian cherry wood floors and thoughtfully chosen window treatments soften the bedrooms, & California Closets systems provide carefully considered storage. Spacious guest accommodations include an ensuite bedroom and a Jack & Jill bath arrangement. A separate office w/ a walk in closet offers the possibility of an additional bedroom. Across the covered lanai, the ~800sqft guest house feels like a getaway of its own. Overlooking the pool, it includes a private entrance, bedroom, bath, kitchen & laundry, allowing guests/extended family to settle in comfortably while remaining close to the heart of the home. Rebuilt in 2006 from the slab & three remaining walls, the home was thoughtfully refreshed in 2021. Impact glass, hurricane shutters & a generous garage storage room reflect the same care given to everyday comfort & practicality. Located near historic downtown Punta Gorda and the waterfront shops and restaurants of Fishermen’s Village, this home places boating, dining and afternoons exploring the town within easy reach. It is refined Florida living with a welcoming spirit, a home as suited to memorable gatherings as to the quieter moments that make it your own. See attached Refinements Sheet.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
5,310
Sqft
0.6 ac
Lot size
2
Garage
2006
Year built
One
Levels
$414
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.
$16,223 /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
$16,223/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
+28.8%
$/sqft vs PUNTA GORDA ISLES SEC 12
$414 vs $380
Days on market
19 vs 65 typical
Where $414/sqft sits among the 17 homes for sale in PUNTA GORDA ISLES SEC 12
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)
5 of 17
PUNTA GORDA ISLES SEC 12 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 645% 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 1117 SAN MATEO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,150,000
5000 CAPTIVA COURT · same community
4 bd · 3 ba · 2,891 sqft · $398/sqft · 159 DOM
Sold · Oct ’26$1,190,000
2035 PADRE ISLAND DRIVE · same community
4 bd · 3 ba · 2,836 sqft · $420/sqft · 15 DOM
Sold · Oct ’26$724,825
1503 SUZI STREET · same community
3 bd · 2 ba · 2,752 sqft · $263/sqft · 384 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1117 SAN MATEO DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1117 SAN MATEO DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1117 SAN MATEO DRIVE FAQs
What would the monthly payment be for 1117 SAN MATEO DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $16,223/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 1117 SAN MATEO DRIVE?+
The most recent tax bill on record (2026) was $16,717. 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 1117 SAN MATEO DRIVE?+
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 $2,200,000, this home is listed about 513% 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 1117 SAN MATEO DRIVE?+
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
$2,200,000 runs 645% above the PUNTA GORDA 33950 median — but at 5,310 sqft it's also nearly 3 times the size of 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 HARBOR REALTY · Gary Cardillo. MLS #C7532125.
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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