7196 N Plum Tree # 321, Punta Gorda FL 33955, PUNTA GORDA, FL, 33955
Active35 days on marketListed Jul 8, 2026MLS #A12050091
About this home
7196 N Plum Tree # 321, Punta Gorda FL 33955
Not all condominiums feel the same. This second-floor end-unit offers extra windows, abundant natural light, vaulted ceilings, and a peaceful tree-lined lanai view that set it apart from many others on the market. Offering 1,457 square feet, this top-floor 3-bedroom, 2-bath home features no neighbors above, an open floor plan, granite countertops, stainless steel appliances, breakfast bar, breakfast nook, dining area, interior laundry, and a screened lanai with desirable eastern exposure. The primary bedroom includes a walk-in closet, dual sinks, and a walk-in shower. Fresh interior paint and a new water heater provide added value for the next owner. Located in a well-maintained building with only 12 residences, owners enjoy a quieter setting, assigned parking, a community pool, and an HOA that includes water, sewer, exterior maintenance, exterior pest control, professional management, and reserves. Conveniently located in Burnt Store Meadows, just minutes from US-41, I-75, shopping, restaurants, golf, downtown Punta Gorda, and Fishermen's Village.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,457
Sqft
2006
Year built
1
Levels
$124
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.
$2,124 /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
$2,124/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.
$/sqft vs Punta Gorda actives
$124 vs $207
Days on market
35 vs 62 typical
Where $124/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 Burnt Store Meadows
Get to know Punta Gorda. See the full Punta Gorda guide →
Burnt Store Meadows — neighborhood snapshot
Population
1,651
Median age
68
Median income
$66,534
Median home value
$348,400
Avg household
2
Households w/ children
110
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)
196 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 339% 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 7196 N Plum Tree # 321
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$500,000
569 ROYAL POINCIANA · same community
3 bd · 2.5 ba · 2,675 sqft · $187/sqft · 136 DOM
Sold · Feb ’26$138,000
27345 GREEN GULF BOULEVARD
2 bd · 1 ba · 1,479 sqft · $93/sqft · 5 DOM
Sold · May ’26$225,000
7510 LIGUSTRUM
3 bd · 2 ba · 1,490 sqft · $151/sqft · 5 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 7196 N Plum Tree # 321 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7196 N Plum Tree # 321 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
7196 N Plum Tree # 321 FAQs
What would the monthly payment be for 7196 N Plum Tree # 321, Punta Gorda FL 33955?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,124/mo — principal and interest, the actual property-tax bill, the $579/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 7196 N Plum Tree # 321, Punta Gorda FL 33955?+
The association fee works out to $579 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7196 N Plum Tree # 321, Punta Gorda FL 33955?+
The most recent tax bill on record (2025) was $2,943. 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 $180,000, this home is listed about 47% 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 7196 N Plum Tree # 321, Punta Gorda FL 33955?+
Charlotte High School (high), Punta Gorda Middle School (middle), East Elementary School (elementary) — 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
$180,000 runs 339% above the PUNTA GORDA 33955 median.
02Other View views
The other view view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $579/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of Time Realty Services Inc · Della Booth. MLS #A12050091.
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 Miami Association of REALTORS®.
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