638 ANDROS COURT, PUNTA GORDA, FL, 33950
Active Under Contract5 days on marketListed Oct 26, 2026MLS #C7532448
About this home
638 ANDROS COURT
Under contract-accepting backup offers. Welcome to effortless Punta Gorda waterfront living - an ideal winter getaway or a refreshing transition from condo life, with no HOA fee. Set on a very wide canal with a private backyard, this renovated home offers powerboast access to Charlotte Harbor in under 10 minutes, plus the convenience of walking or biking to Fishermen's Village for waterfront dining and boutique shopping. Enjoy wide canal views from every room, a 45-foot dock, 13,500 pound boat lift, impact-resistant windows and doors, and a resurfaced, heated pool. Porcelain tile flows through the main living areas and primary en suite, which features a spaciious walk-in shower. The kitchen offers quartz countertops and newer appliances, while additonal updates include gutters arount the home and ceiling fans in every room. A generous great room opens to the spacious lanai, creating an easy indoor-outdoor flow for gatherings with family and friends. The newer pool deck with Shellrock pavers adds style to the outdoor living space. Start the morning with coffee on your lanai while watching the sunrise and unwind there, by the pool, in the evening. All furniture is included, making this an exceptional opportunity to enjoy Punta Gorda's relaxed waterfront lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,286
Sqft
0.22 ac
Lot size
2
Garage
1981
Year built
One
Levels
$349
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.
$4,186 /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
$4,186/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
+6.8%
$/sqft vs Punta Gorda actives
$349 vs $208
Days on market
5 vs 65 typical
Where $349/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 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)
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 52% 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 638 ANDROS COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$710,000
808 LUCIA DRIVE · same community
3 bd · 2 ba · 1,831 sqft · $388/sqft · 10 DOM
Sold · Sep ’26$580,000
610 ELEUTHERA DRIVE · same community
3 bd · 2 ba · 1,958 sqft · $296/sqft · 120 DOM
Sold · Jun ’26$810,000
803 LUCIA DRIVE · same community
3 bd · 2.5 ba · 1,986 sqft · $408/sqft · 37 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
Kyler Lang
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 638 ANDROS COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 638 ANDROS COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
638 ANDROS COURT FAQs
What would the monthly payment be for 638 ANDROS COURT?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,186/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 638 ANDROS COURT?+
The most recent tax bill on record (2025) was $8,936. 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 $449,000, this home is listed about 25% 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 638 ANDROS COURT?+
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
Four things that matter here
01Positioned at the premium end
$449,000 runs 52% 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.
03Fresh on the market
Only 5 days on market in a Punta Gorda market that averages 65 — if it fits, move quickly.
04Strong 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 REALTY HUB · Sue Rueckel. MLS #C7532448.
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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