12135 LUDDEN COURT, PUNTA GORDA, FL, 33955
Active945 days on marketListed Jan 12, 2024MLS #N6130333
About this home
12135 LUDDEN COURT
Rarely available, this unique waterfront property includes three separate lots with three individual addresses, all being sold together. Build one custom waterfront estate, two homes, or three separate residences, the possibilities are endless. Partially cleared and overlooking a serene lake, this property offers one of the longest waterfront views in Tropical Gulf Acres, along with excellent fishing, abundant wildlife, and peaceful northeastern exposure. Located just 7.5 miles south of downtown Punta Gorda, you'll enjoy the perfect balance of privacy and convenience with easy access to shopping, dining, boating, and more. Whether you're looking to build your dream home, create a family compound, or invest in multiple homesites, this rare waterfront opportunity is one you won't want to miss.
Facts & features
The home at a glance
0.5 ac
Lot size
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.
$716 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$716/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.
Where it sits
Inside Tropical Gulf Acres
Get to know Punta Gorda. See the full Punta Gorda guide →
Tropical Gulf Acres — neighborhood snapshot
Population
1,094
Median age
60
Median income
$64,964
Median home value
$246,900
Avg household
2
Households w/ children
131
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
$345K → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the PUNTA GORDA 33955 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 12135 LUDDEN COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$299,999
11401 2nd Ave, Punta Gorda FL 33955
3 bd · 2 ba · 158 DOM
Sold · Jun ’26$82,500
11466 ROYAL ROAD
2 bd · 1 ba · 686 sqft · $120/sqft · 6 DOM
Sold · Feb ’26$86,000
11350 PEPPER ROAD
2 bd · 2 ba · 768 sqft · $112/sqft · 57 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12135 LUDDEN COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12135 LUDDEN COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12135 LUDDEN COURT FAQs
What would the monthly payment be for 12135 LUDDEN COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $716/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 12135 LUDDEN COURT?+
The most recent tax bill on record (2024) was $978. 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 $75,000, this home is listed about 78% below the Punta Gorda median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12135 LUDDEN COURT?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — 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
$75,000 runs 83% above the PUNTA GORDA 33955 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
945 days on market against a Punta Gorda median of 63 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $105,000, now $75,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMESMART · Sabina Rozak. MLS #N6130333.
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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