David Ramirez
$585,0002 bd2 ba1,766 sqft$331 /sqft$4,068 /mo all-in ↓

24240 HENRY MORGAN BLVD, PUNTA GORDA, FL, 33955

Active105 days on marketListed Apr 19, 2026MLS #A4690029

WaterfrontSingle Family ResidencePIRATE HARBOR

About this home

24240 HENRY MORGAN BLVD

Experience the freedom of true waterfront living in the highly desirable community of Pirate Harbor, a hidden gem known for its direct access boating, world-class fishing, and the rare benefit of no HOA or deed restrictions. Here, you can fully embrace the Southwest Florida lifestyle with the flexibility to live, boat, and enjoy your property on your terms. Set on 100 feet of sailboat/power boat canal frontage, this property features a concrete seawall, private dock, and a 10,000 lb. boat lift with new risers and motors, capable of accommodating up to a 40-foot boat, along with a new canopy, all positioned to capture long, picturesque water views. Whether you're heading out for a quick sunset cruise or a full day on the water, you’re just minutes from the open waters of Charlotte Harbor, with easy access to Boca Grande Pass and the Gulf of Mexico. This is truly a boater’s and angler’s paradise. The home has been thoughtfully renovated to reflect a relaxed coastal lifestyle, offering 2 bedrooms, 2 bathrooms, and over 1,700 square feet of comfortable living space and 2208 total sq ft including the garage. Inside, you’ll find an inviting open layout featuring sliding glass doors that lead to a spacious 29’ x 16’ air-conditioned Florida room. This versatile space features sliding glass windows that are easily removable, allowing you to enjoy the refreshing breeze and stunning waterfront views year-round. The kitchen combines function and style with wood cabinetry, abundant storage, granite countertops, a pass-through window to the Florida room, breakfast bar, and a blend of recessed lighting. Just off the kitchen, a bonus room has been beautifully converted into a bar area, complete with wood-beamed vaulted ceilings, a shiplap wall with shelving, pendant lighting, and plenty of room for entertaining guests. The primary suite is generously sized, featuring a large closet and a private ensuite bath with a tiled shower. The guest bedroom is light and bright with ample closet space, and both bedrooms are complemented with nearby linen and coat closets, providing excellent additional storage. The well-appointed main bath provides comfortable accommodations for visitors with a tub and shower combo and a larger vanity for added storage. Step outside to an additional paver patio area just off the Florida room, perfectly set up with seating and a fire pit—ideal for relaxing evenings while enjoying breathtaking water views and unforgettable sunsets. The backyard offers ample space to enjoy your outdoor oasis. Additional highlights include a 2024 metal roof, on-demand tankless water heater, new appliances, fresh interior and exterior paint, new gutters, a 12x24 workshop/shed built in 2020, and lush tropical landscaping with curbing that enhances the property’s private, island-style feel. A convenient laundry area is located within the attached 26' x 17' one-car garage. Furnishings are newer and gently used and may be negotiated, presenting an excellent opportunity for a seamless, turnkey move-in-ready experience. If you’re searching for a waterfront property that offers direct boating access, exceptional fishing, and complete freedom with no HOA restrictions, this is a rare opportunity to own in one of Southwest Florida’s most authentic and sought-after boating communities.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,766

Sqft

0.25 ac

Lot size

1

Garage

1970

Year built

One

Levels

$331

Per sqft

WaterfrontWater viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Refrigerator · Washer
InteriorOpen Floorplan
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air · Wall/Window Unit(s)
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock
FoundationSlab
ViewWater
FacesSouth
ParkingBoat · Driveway · Garage Door Opener
ExteriorIrrigation System · Storage

Community & fees

Taxes (2025)$6,388/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Public · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,068 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,157
PMI (est., until 20% equity)$219
Property tax — 2025 actual bill$532
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $58,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $58,500
Interest rate6.00%
Loan term

Estimated payment

$4,068/mo

Principal & interest$3,157
PMI (est., until 20% equity)$219
Property taxes (actual bill)$532
Est. insurance$160

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.

$/sqft vs Punta Gorda actives

$331 vs $205

Days on market

105 vs 59 typical

Where $331/sqft sits among the 400 Punta Gorda actives

100
137
70
48
15 · this home
30
$114–167$167–220$220–273$273–325$325–378$378+

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

Map of 24240 HENRY MORGAN BLVD

Get to know Punta Gorda. See the full Punta Gorda guide →

PUNTA GORDA 33955 — neighborhood snapshot

Population

10,503

Median age

64.4

Median income

$76,733

Median home value

$321,500

Avg household

1.98

Households w/ children

623

For the school run

Charlotte County School District

ElementaryEast Elementary School★★★★★
MiddlePunta Gorda Middle School★★★★★
HighCharlotte High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Punta Gorda market

Seller’s marketBalanced6.0 months of inventoryBuyer’s market

$345K$345K

Punta Gorda median sold, yr/yr

95.0%

Sale-to-list ratio (12 mo)

178 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 1327% above the PUNTA GORDA 33955 median. See the full Punta Gorda market guide →

Paper trail

This home's history

Apr 19, 2026Listed at $585,000 · 105 days on market since
1970Built · PIRATE HARBOR

Reality check

What actually sold near 24240 HENRY MORGAN BLVD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

24377 TREASURE ISLAND BOULEVARDSold · Mar ’26

$725,000

24377 TREASURE ISLAND BOULEVARD · same community

3 bd · 2.5 ba · 1,865 sqft · $389/sqft · 70 DOM

24260 HENRY MORGAN BOULEVARDSold · Jan ’26

$625,000

24260 HENRY MORGAN BOULEVARD · same community

3 bd · 2 ba · 1,644 sqft · $380/sqft · 7 DOM

24239 YACHT CLUB BOULEVARDSold · May ’26

$450,000

24239 YACHT CLUB BOULEVARD · same community

2 bd · 2 ba · 2,010 sqft · $224/sqft · 295 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 24240 HENRY MORGAN BLVD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 24240 HENRY MORGAN BLVD — 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.

Goes straight to David’s phone and CRM.

Straight answers

24240 HENRY MORGAN BLVD FAQs

What would the monthly payment be for 24240 HENRY MORGAN BLVD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,068/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 24240 HENRY MORGAN BLVD?+

The most recent tax bill on record (2025) was $6,388. 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 24240 HENRY MORGAN BLVD?+

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 $585,000, this home is listed about 70% 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 24240 HENRY MORGAN BLVD?+

East Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of ALLISON JAMES ESTATES & HOMES · Sharadan Edmonds. MLS #A4690029.

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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