27450 SAN MARCO DRIVE, PUNTA GORDA, FL, 33983
Active187 days on marketListed Feb 4, 2026MLS #N6142794
About this home
27450 SAN MARCO DRIVE
MOVE-IN READY WATERFRONT OASIS WITH MAJOR UPDATES, POOL, SPA & BOATING ACCESS! Enjoy the character of Old Florida waterfront living without sacrificing the updates and conveniences buyers want today. This distinctive 4-bedroom, 3-bath pool home with a 3-car garage offers more than 3,400 square feet of flexible living space, a private dock, and boating access through Whidden Bay to the Peace River and Charlotte Harbor. Even better, many of the home's major systems and big-ticket improvements have already been completed, offering exceptional peace of mind for the next owner. Recent updates include a 2022 roof, 2024 HVAC, 2024 pool pump, 2025 water heater, 2025 kitchen appliances, impact windows and sliders, 2025 epoxy garage flooring, kitchen reverse-osmosis system, and connection to city water. The washer was replaced in 2024 and dryer in 2022, making this a home you can move into and start enjoying from day one. Inside, classic Florida character blends with spacious, functional living. A covered tiled front porch welcomes you into a home featuring refurbished terrazzo flooring, a wood-burning fireplace with a custom driftwood-inspired hearth, built-in shelving, and generous open areas for dining and entertaining. The waterside Florida room features tile flooring and French doors, while impact sliders open to the covered, screened lanai overlooking the saltwater pool and spa—creating an inviting indoor/outdoor setting for entertaining or relaxing after a day on the water. The versatile bedroom layout provides plenty of room for family and guests. Three bedrooms are located on the main level, including a fourth bedroom with its own private full bath—an excellent option for guests, extended family, or multigenerational living. Upstairs, the private primary suite addition creates a true owner's retreat with a spacious ensuite bath, walk-in closet, bonus room ideal for a home office, fitness room or studio, a private balcony, and even its own dedicated washer and dryer. A second laundry area is conveniently located on the main level. For boaters and outdoor enthusiasts, the waterfront location is the star. Launch from your private dock and make your way through Whidden Bay to the Peace River and Charlotte Harbor, with boating, fishing, kayaking and some of Southwest Florida's best waterfront recreation right outside your door. With its combination of substantial recent improvements, impact protection, updated major systems, generous living space, private pool and spa, 3-car garage, private dock, and boating access, this home offers something increasingly difficult to find: authentic Florida waterfront character that's already been updated and is ready to enjoy. The big projects have been done. Bring your boat, unpack your bags, and start living the Southwest Florida waterfront lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,407
Sqft
0.28 ac
Lot size
3
Garage
1964
Year built
Two
Levels
$217
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 and the real association fee — not generic estimates.
$4,525 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$4,525/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.
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
−24.2%
$/sqft vs HRBR HEIGHTS
$217 vs $236
Days on market
187 vs 62 typical
Where $217/sqft sits among the 25 homes for sale in HRBR HEIGHTS
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
Get to know Punta Gorda. See the full Punta Gorda guide →
PUNTA GORDA 33983 — neighborhood snapshot
Population
18,230
Median age
56.6
Median income
$67,705
Median home value
$324,100
Avg household
2.31
Households w/ children
1,552
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)
11 of 25
HRBR HEIGHTS have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 823% above the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 27450 SAN MARCO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$900,000
3656 PEACE RIVER DRIVE · same community
4 bd · 3 ba · 2,933 sqft · $307/sqft · 33 DOM
Sold · Oct ’25$343,500
2457 TAMWORTH TERRACE · same community
3 bd · 2 ba · 2,638 sqft · $130/sqft · 170 DOM
Sold · Apr ’26$600,000
27300 SAN CARLOS DRIVE · same community
4 bd · 3 ba · 2,596 sqft · $231/sqft · 3 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 27450 SAN MARCO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 27450 SAN MARCO DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
27450 SAN MARCO DRIVE FAQs
What would the monthly payment be for 27450 SAN MARCO DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,525/mo — principal and interest, the actual property-tax bill, the $2/mo association fee 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.
How much are the HOA fees at 27450 SAN MARCO DRIVE?+
The association fee works out to $2 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 27450 SAN MARCO DRIVE?+
The most recent tax bill on record (2025) was $1,248. 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 27450 SAN MARCO 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 $738,000, this home is listed about 117% above the Punta Gorda median of $339,900. The market section on this page shows how the area is trending.
Which schools are assigned to 27450 SAN MARCO DRIVE?+
Deep Creek Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$738,000 runs 823% above the PUNTA GORDA 33983 median — but at 3,407 sqft it's also nearly twice 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.
03Time on market is leverage
187 days on market against a Punta Gorda median of 62 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Deep Creek Elementary School, Punta Gorda Middle School, Charlotte High School — Deep Creek Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $749,900, now $738,000 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Mellisa Hamilton. MLS #N6142794.
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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