1640 PALACE COURT, PUNTA GORDA, FL, 33980
Active175 days on marketListed Feb 12, 2026MLS #A4678687
About this home
1640 PALACE COURT
One of the BEST. A 55+ gated community with an 18-hole golf course, Olympic-sized heated pool and spa, clubhouse, restaurant, tennis and pickleball courts, and enough organized activities to keep anyone busy. The house is over 1,700 sq ft - not including a large screened lanai. This house backs onto a green belt, so privacy is assured. The office could easily be the 3rd bedroom. There are owned solar panels that drive the water heater, and leased solar panels provide the house electricity. The roof is around 7 years old, as are the AC and water heater. This is a lovely, warm home, with the kitchen, living room, and dining room all providing a great shared space for family and friends. The bedrooms are separated from the living space, providing wonderful privacy if wanted.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,772
Sqft
0.12 ac
Lot size
2
Garage
2000
Year built
One
Levels
$198
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.
$3,020 /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
$3,020/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
+7.1%
$/sqft vs KINGS GATE PH 02
$198 vs $214
Days on market
175 vs 59 typical
Where $198/sqft sits among the 7 homes for sale in KINGS GATE PH 02
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 Kings Gate
Get to know Punta Gorda. See the full Punta Gorda guide →
Kings Gate — neighborhood snapshot
Population
811
Median age
75
Median income
$72,679
Median home value
$298,200
Avg household
2
Households w/ children
8%
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)
2 of 7
KINGS GATE PH 02 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 150% above the PUNTA GORDA 33980 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 1640 PALACE COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$383,000
1636 PALACE COURT · same community
2 bd · 2 ba · 1,772 sqft · $216/sqft · 0 DOM
Sold · Sep ’25$310,000
1673 PALACE COURT · same community
3 bd · 2 ba · 1,744 sqft · $178/sqft · 83 DOM
Sold · Aug ’25$400,000
24260 WESTGATE BOULEVARD · same community
3 bd · 2 ba · 1,922 sqft · $208/sqft · 120 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 1640 PALACE COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1640 PALACE COURT — 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
1640 PALACE COURT FAQs
What would the monthly payment be for 1640 PALACE COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,020/mo — principal and interest, the actual property-tax bill, the $454/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 1640 PALACE COURT?+
The association fee works out to $454 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1640 PALACE COURT?+
The most recent tax bill on record (2025) was $2,288. 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 1640 PALACE COURT?+
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 $349,999, this home is listed about 2% above the Punta Gorda median of $344,700. The market section on this page shows how the area is trending.
Which schools are assigned to 1640 PALACE COURT?+
Kingsway Elementary School (elementary), Port Charlotte Middle School (middle), Charlotte High School (high) — 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
$349,999 runs 150% above the PUNTA GORDA 33980 median.
02Time on market is leverage
175 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $370,000, now $349,999 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY HUB · Rick Stannard. MLS #A4678687.
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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