3420 SANTA CLARA DRIVE, PUNTA GORDA, FL, 33983
Active235 days on marketListed Dec 19, 2025MLS #O6368598
About this home
3420 SANTA CLARA DRIVE
Waterfront living in a quiet, established community. This renovated three-bedroom, two-bath residence features direct canal access to the Gulf, a private boat dock, and is located in Harbour Heights with no HOA, no CDD, and no deed restrictions. Property Details: Canal with direct access to the Gulf Private boat dock with electric boat ramp and cover Renovated kitchen with modern finishes Three bedrooms and two bathrooms 1,173 square feet of living area 0.23-acre parcel 68 feet of waterfront frontage Established and peaceful neighborhood Near Harbour Heights Park, which includes tennis courts, shuffleboard, BBQ areas, playground, and a public boat ramp Location: Approximately 5 to 10 minutes from I-75, dining, shopping, boating clubs, and downtown Punta Gorda.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,173
Sqft
0.5 ac
Lot size
1959
Year built
One
Levels
$384
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.
$3,350 /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
$3,350/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.
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
+104.8%
$/sqft vs HRBR HEIGHTS
$384 vs $234
Days on market
235 vs 62 typical
Where $384/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 → $345K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
12 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 463% 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 3420 SANTA CLARA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$140,000
27185 WHITMAN AVENUE · same community
2 bd · 2 ba · 1,135 sqft · $123/sqft · 8 DOM
Sold · Dec ’25$255,000
1351 SULSTONE DRIVE · same community
3 bd · 2 ba · 1,100 sqft · $232/sqft · 4 DOM
Sold · Dec ’25$210,000
3054 TARRYWOOD TERRACE · same community
2 bd · 2 ba · 1,072 sqft · $196/sqft · 74 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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3420 SANTA CLARA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3420 SANTA CLARA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3420 SANTA CLARA DRIVE FAQs
What would the monthly payment be for 3420 SANTA CLARA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,350/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 3420 SANTA CLARA DRIVE?+
The most recent tax bill on record (2025) was $4,100. 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 3420 SANTA CLARA 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 $450,000, this home is listed about 33% above the Punta Gorda median of $339,094. The market section on this page shows how the area is trending.
Which schools are assigned to 3420 SANTA CLARA 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
Three things that matter here
01Positioned at the premium end
$450,000 runs 463% above the PUNTA GORDA 33983 median.
02Time on market is leverage
235 days on market against a Punta Gorda median of 62 — sellers in this position are usually ready to negotiate.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6368598.
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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