3640 BAL HARBOR BOULEVARD UNIT 112, PUNTA GORDA, FL, 33950
Pending97 days on marketListed May 7, 2026MLS #TB8503279
About this home
3640 BAL HARBOR BOULEVARD UNIT 112
PRICE REDUCTION!!! Step into true Florida waterfront living with this sailboat-access condo located on a wide saltwater canal basin in Punta Gorda. Enjoy no fixed bridges to Charlotte Harbor and the Gulf, making this an ideal setup for serious boaters. The expansive basin provides enhanced views, added privacy, and easier navigation, even for larger vessels. The community offers assigned dockage just steps from your unit, with pilings in place (no lift currently installed) - giving buyers the flexibility to customize their boating setup to fit their needs. Whether your are cruising out to open water or relaxing dockside, this property delivers high-demand boating access at an attractive value. This home is TURN KEY and ready to MOVE IN!!!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,405
Sqft
0.1 ac
Lot size
1992
Year built
One
Levels
$221
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.
$2,539 /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
$2,539/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
+13.9%
$/sqft vs Punta Gorda actives
$221 vs $208
Days on market
97 vs 62 typical
Where $221/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
10,031
Median age
68
Median income
$97,109
Median home value
$574,467
Avg household
2
Households w/ children
287
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)
180 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 16% 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 3640 BAL HARBOR BOULEVARD UNIT 112
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$285,000
3640 BAL HARBOR BOULEVARD UNIT 131 · same community
3 bd · 2 ba · 1,867 sqft · $153/sqft · 120 DOM
Sold · Apr ’26$382,000
5479 RIVER BAY DRIVE
2 bd · 2 ba · 1,352 sqft · $283/sqft · 377 DOM
Sold · Feb ’26$345,000
771 TANGERINE COURT
3 bd · 2 ba · 1,512 sqft · $228/sqft · 59 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3640 BAL HARBOR BOULEVARD UNIT 112 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3640 BAL HARBOR BOULEVARD UNIT 112 — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3640 BAL HARBOR BOULEVARD UNIT 112 FAQs
What would the monthly payment be for 3640 BAL HARBOR BOULEVARD UNIT 112?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,539/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 3640 BAL HARBOR BOULEVARD UNIT 112?+
The most recent tax bill on record (2025) was $4,999. 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 3640 BAL HARBOR BOULEVARD UNIT 112?+
The listing reports pets: Breed Restrictions, 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 $310,000, this home is listed about 9% below the Punta Gorda median of $339,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3640 BAL HARBOR BOULEVARD UNIT 112?+
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
$310,000 runs 16% 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.
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.
04The price has already moved
Listed at $325,000, now $310,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FIVE STAR REAL ESTATE OF FLORIDA LLC · Kelly Kelting. MLS #TB8503279.
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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