1024 SAN MATEO DRIVE, PUNTA GORDA, FL, 33950
Active286 days on marketListed Oct 11, 2025MLS #A4667481
About this home
1024 SAN MATEO DRIVE
Coastal Luxury Meets Everyday Comfort! This stunning 3,013 sq. ft. waterfront retreat is more than just a home—it’s your own private oasis! Perfectly positioned just minutes to open water, it offers the best of Florida living with a 35-foot heated pool, spa, outdoor summer kitchen, and an 80-foot dock with boat lift. Step inside to discover a thoughtfully updated and redesigned interior. This kitchen is a chef’s dream, featuring rich wood cabinetry with abundant storage, granite counters, center island, sleek new appliances, and a double-door pantry. A casual breakfast nook with pool views and a generous breakfast bar seamlessly flow into the expansive family room—complete with gleaming hardwood floors and walls of windows that fill the space with natural light. Enjoy both formal and casual living options. A gracious living room opens to the lanai, while the formal dining room sets the stage for memorable dinners. Need extra space? The versatile office/man cave provides just the right spot to work—or unwind. The primary suite is a retreat of its own with hardwood floors, direct lanai access, two walk-in closets, and a spa-like bath featuring a dual vanity and Roman-style glass block walk-in shower. Two spacious guest bedrooms, each with walk-in closets, and a completely updated guest bath (with pool access!) ensure everyone feels right at home. Practicality meets style with a huge laundry room (Washer and Dryer 2 years old), half bath, and an oversized 27x20 garage offering exceptional storage. Step outside and you’ll see why this home was designed for entertaining. The expansive lanai has plenty of lounging space, a fully equipped summer kitchen, and of course—the sparkling heated pool (Heater replaced 4 years ago) and relaxing spa. With a 100-foot seawall and quick access to Charlotte Harbor, it’s a boater’s dream come true. This home truly checks every box—space, style, updates, and location. Don’t just dream about waterfront living—make it yours!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
3,013
Sqft
0.28 ac
Lot size
2
Garage
1990
Year built
One
Levels
$398
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.
$8,227 /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
$8,227/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
+8.3%
$/sqft vs PUNTA GORDA ISLES SEC 12
$398 vs $320
Days on market
286 vs 59 typical
Where $398/sqft sits among the 16 homes for sale in PUNTA GORDA ISLES SEC 12
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 33950 — neighborhood snapshot
Population
24,492
Median age
64.6
Median income
$74,484
Median home value
$393,500
Avg household
1.98
Households w/ children
1,614
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
95.0%
Sale-to-list ratio (12 mo)
11 of 16
PUNTA GORDA ISLES SEC 12 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 341% 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 1024 SAN MATEO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$945,000
2716 RYAN BOULEVARD · same community
4 bd · 4 ba · 3,066 sqft · $308/sqft · 22 DOM
Sold · Jun ’26$856,000
2144 CHARLOTTE AMALIE COURT · same community
4 bd · 3.5 ba · 2,872 sqft · $298/sqft · 167 DOM
Sold · Feb ’26$750,000
2856 DEBORAH DRIVE · same community
3 bd · 2.5 ba · 2,805 sqft · $267/sqft · 39 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 1024 SAN MATEO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1024 SAN MATEO DRIVE — 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
1024 SAN MATEO DRIVE FAQs
What would the monthly payment be for 1024 SAN MATEO DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,227/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 1024 SAN MATEO DRIVE?+
The most recent tax bill on record (2024) was $13,768. 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 1024 SAN MATEO DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,199,000, this home is listed about 248% above the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 1024 SAN MATEO DRIVE?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — 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
$1,199,000 runs 341% above the PUNTA GORDA 33950 median — but at 3,013 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
286 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,299,000, now $1,199,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · Justin Willis Chavez. MLS #A4667481.
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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