609 MONACO DRIVE, PUNTA GORDA, FL, 33950
Active187 days on marketListed Jan 15, 2026MLS #A4678478
About this home
609 MONACO DRIVE
STUNNING NEW GOLF-LAKE CUSTOM BUILT ESTATE HOME! Million Dollar LAKE & FAIRWAY VIEWS. OVER $350,000 IN BUILDER/OWNER UPGRADES IN THIS 3 BEDROOM, DEN, 3 BATH, POOL, 2.5 car garage with epoxy flooring treatment, extensive additional overhead storage, extra wide 18 foot garage door and private side door entrance, HOME MUST BE SEEN. The home has unmatched height for this subdivision, the main floor level is (11.38 feet above sea level). Pool is salt water with up fall waterfalls, 2 high power therapy jets and color options for the night light in the pool.Big OPEN FLOOR PLAN, all "wood plank" ceramic tile floors thru the whole house for ease of maintenance.. All 12' coffer-ed and crown molding accented throughout the whole home. "CHEFS" kitchen WITH WHITE "SHAKER" WOOD CABINETS, LEVEL 5 GRANITE TOPS, HIGH END STAINLESS STEEL APPLIANCES, Large walk in “butler’s pantry” with granite tops and extensive cabinets., TILE BACK-SPLASH & 12' CENTER-ISLAND WORK STATION AND FAMILY GATHERING SPOT WITH 4 STOOL SEATING CAPACITY. All windows & sliders are "IMPACT" STORM RESISTANT for total buyer comfort. Kevlar screen controlled by remote control, for the Lanai. Lots of glass windows and high sliders makes the home LIGHT-BRIGHT & SUNNY all year round. MASTER BEDROOM, has "His & hers" walk-in closets both with custom organizers, dual granite top vanities and an incredible huge TILE GLASS WALK-THRU SHOWER, Master shower is 9 feet in length and has a large sitting bench.. BEAUTIFUL PAVER LANAI AND POOL DECK WITH "PICTURE GLASS" WINDOW SCREEN CAGE, for unobstructed views of the fairway and lake and a great SUMMER KITCHEN for all the family poolside entertaining. Additionally, there is a custom "SAND BOX" for the children and another PAVER GOLF VIEWING LANAI OR JUST GREAT SUNSET COCKTAILS. The home was built by Quality Homes of Port Charlotte (30 + years building homes in this area). It is a very well constructed home. Home come with a ONE YEAR COMPLETE HOME WARRANTY, for total buyer comfort.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,319
Sqft
0.25 ac
Lot size
2
Garage
2024
Year built
One
Levels
$431
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.
$6,709 /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
$6,709/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
+18%
$/sqft vs PUNTA GORDA ISLES SEC 15
$431 vs $326
Days on market
187 vs 59 typical
Where $431/sqft sits among the 20 homes for sale in PUNTA GORDA ISLES SEC 15
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)
8 of 20
PUNTA GORDA ISLES SEC 15 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 268% 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 609 MONACO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$519,000
507 MONACO DRIVE · same community
3 bd · 2 ba · 2,316 sqft · $224/sqft · 247 DOM
Sold · Jan ’26$1,050,000
347 PORTOFINO DR · same community
3 bd · 2 ba · 2,359 sqft · $445/sqft · 242 DOM
Sold · Sep ’25$469,000
3724 BORDEAUX DRIVE · same community
3 bd · 2.5 ba · 2,380 sqft · $197/sqft · 41 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 609 MONACO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 609 MONACO 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
609 MONACO DRIVE FAQs
What would the monthly payment be for 609 MONACO DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,709/mo — principal and interest, the actual property-tax bill, the $4/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 609 MONACO DRIVE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 609 MONACO DRIVE?+
The most recent tax bill on record (2024) was $9,287. 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 609 MONACO 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 $1,000,000, this home is listed about 190% 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 609 MONACO 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
$1,000,000 runs 268% above the PUNTA GORDA 33950 median — but at 2,319 sqft it's also 35% larger than 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
187 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 $1,050,000, now $1,000,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Steve Bacardi. MLS #A4678478.
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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