3845 BAL HARBOR BOULEVARD, PUNTA GORDA, FL, 33950
Active15 days on marketListed Oct 23, 2026MLS #C7532333
About this home
3845 BAL HARBOR BOULEVARD
MOTIVATED seller, bring all OFFERS! GOLF COURSE AND LAKE VIEWS, SPECTACULAR SUNSETS AND A PRIVATE HEATED SALTWATER POOL! This beautifully maintained, custom-built coastal-inspired home overlooks the 6th tee of St. Andrews South Golf Course and offers 3 bedrooms plus a den, 2.5 baths and exceptional Florida outdoor living—all just minutes from historic downtown Punta Gorda. The light-filled, open floor plan features soaring tray ceilings with crown molding, 8-foot doors, recessed lighting and porcelain wood-look tile throughout. Sliding glass doors connect the living area to the pool and outdoor entertaining space. The chef-inspired kitchen showcases custom soft-close cabinetry, granite countertops, stainless-steel appliances, a tiled backsplash, oversized island and built-in pantry. Shiplap accents add coastal character. The primary suite features dual comfort-height vanities and a fully tiled walk-in shower, while two additional bedrooms and a separate den provides a flexible space for guests or a home office. The tropical backyard retreat features a heated saltwater pool, paver deck, dramatic arched water jets, stainless-steel cable railing and lush palm landscaping. Relax or entertain while enjoying peaceful water views and stunning sunsets. Smart upgrades include a portable generator with whole-house transfer switch, remote irrigation, smart switches and outlets, phone-controlled Nest thermostat, smoke/CO alarms, whole-house three-stage water filtration, 60-amp EV charger and exterior security cameras. The OVERSIZED 558 SqFt 2.5x-car garage offers over 27 feet of depth, attic access and built-in storage. Enjoy peace of mind with approximately 11 feet of elevation, no flood history, no hurricane damage from any storm, a durable metal roof, and hurricane-rated windows. Fresh interior and exterior paint adds to the move-in-ready appeal. The seller's current flood insurance premium is approximately $1,107 annually; a new buyer may qualify for the same rate, subject to carrier approval. Convenient to Fishermen's Village, waterfront dining, shopping, marinas, parks and downtown Punta Gorda. Enjoy the golf course lifestyle, resort-style outdoor living and modern convenience in one exceptional home!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,821
Sqft
0.27 ac
Lot size
2
Garage
2017
Year built
One
Levels
$345
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.
$5,070 /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
$5,070/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
+6%
$/sqft vs PUNTA GORDA ISLES SEC 12
$345 vs $398
Days on market
15 vs 65 typical
Where $345/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 113% 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 3845 BAL HARBOR BOULEVARD
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$585,000
4015 LA COSTA ISLAND COURT · same community
3 bd · 2 ba · 1,814 sqft · $322/sqft · 15 DOM
Sold · Mar ’26$415,000
1428 PINE ISLAND COURT · same community
3 bd · 2 ba · 1,811 sqft · $229/sqft · 42 DOM
Sold · Mar ’26$285,000
2059 PADRE ISLAND DRIVE UNIT 3 · same community
3 bd · 2 ba · 1,807 sqft · $158/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.
Your agent
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3845 BAL HARBOR BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3845 BAL HARBOR BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3845 BAL HARBOR BOULEVARD FAQs
What would the monthly payment be for 3845 BAL HARBOR BOULEVARD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,070/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 3845 BAL HARBOR BOULEVARD?+
The most recent tax bill on record (2025) was $8,593. 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 $629,000, this home is listed about 75% 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 3845 BAL HARBOR BOULEVARD?+
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
$629,000 runs 113% above the PUNTA GORDA 33950 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 CALENDA REAL ESTATE GROUP,INC. · Lora Dikun. MLS #C7532333.
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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