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Impressive WATERFRONT 3 Bedroom, 2 Bathroom home with attached 2 car Garage. Located in a quiet neighborhood on a dead end street in the desirable deed restricted community of PUNTA GORDA ISLES. This home offers QUICK SAILBOAT ACCESS (no bridges) to Charlotte Harbor and on to the Gulf of Mexico. Only 9 lots from the Harbor. This light and bright home has numerous upgrades throughout the home. This home offers a Great Room, Florida Room, well appointed Kitchen, Inside Laundry, screened Lanai. The expansive Great Room features natural light through two large windows, tile floor and French doors to the Lanai. The Kitchen features white wood cabinetry with crown molding, beautiful quartz counters. Stainless appliances are NEW in 2024 and include: side by side refrigerator, built in microwave, oven/range, dishwasher. The Kitchen opens to the large Florida Room which offers FABULOUS WATER VIEWS and sliding glass doors to the Lanai. There is an Inside Laundry room that has the electric HWH, laundry tub, cabinets and hook ups for a washer and electric dryer. The Master Bedroom suite features sliders to the lanai, large walk in closet with shelving and private bathroom. The remodeled bathroom offers
a walk in shower with beautiful tile, full width vanity and quartz counter. There are two additional generous sized bedrooms with double closets. The guest bathroom has also been remodeled and has beautiful new shower tile, bath fixtures and full width vanity and counter. Your living space extends to the screened Lanai with heated inground 28x14 swimming pool (12, 000 gallons), covered lanai with two ceiling fans and paver deck. There is also an open paver patio outside of the cage. Continue to the waterfront with 85 FOOT CONCRETE SEAWALL maintained by the city of Punta Gorda, 40 FOOT concrete Dock with access ladder and 10, 000 lb boat lift with Genie remote installed in 2017. The backyard is fenced with fencing that does not block your view and you can see Charlotte Harbor from the backyard. Other features include: NEW metal panel roof and gutters (2024), double pane bay windows in the front Great Room and Florida Room (2023), NEW 4 ton A/C air handler and condensing unit (2024), Exterior painted 2023, Interior painted 2024, tile floors and attractive window blinds throughout the home, hurricane shutters 2023, exterior double door entry with glass panels 2025, spotless side entry garage, new epoxy garage floor 2025, security access door to garage 2023. Punta Gorda Isles is deed restricted but there is NO HOA. Utilities are city water and sewer. This home is 5 minutes from Golf and 10 minutes from Fishermen's Village and historic downtown Punta Gorda shopping, dining, medical care, waterfront parks, boat ramps, fishing piers, walking and biking paths, art galleries, Charlotte Harbor Event Center, weekend farmers markets, downtown events and more! This is a beautiful home in a great community perfect for year round living, a winter retreat or investment property.
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William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $539,760 | $539,760 | $539,760 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.008% | 7.063% | 6.132% |
Monthly Tax Payment | $561 | $561 | $561 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,367 | $3,546 | $4,518 |
Total Monthly Payment | $4,019 | $4,198 | $5,170 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.