3 PIRATES LANE UNIT 32A, PUNTA GORDA, FL, 33955
Active64 days on marketListed May 22, 2026MLS #A4693957
About this home
3 PIRATES LANE UNIT 32A
Welcome to resort-style living in the heart of Burnt Store Marina & Golf in beautiful Punta Gorda! This beautifully renovated condo in the Commodore Club offers the perfect blend of coastal elegance and everyday comfort. Featuring brand-new flooring throughout, stunning granite countertops, and sleek stainless steel appliances, this move-in ready residence has been thoughtfully updated from top to bottom. Enjoy peaceful marina living with the waterfront and boat slips just steps from your door at Safe Harbor Burnt Store — one of Southwest Florida’s premier deep-water marinas with direct access to Charlotte Harbor and the Gulf. Whether you’re an avid boater, golfer, or simply looking for an active Florida lifestyle, Burnt Store Marina has something for everyone. Residents enjoy access to a wealth of amenities including a 27-hole executive golf course at Burnt Store Marina & Country Club, tennis and pickleball courts, fitness center, walking and biking paths, waterfront dining, live entertainment, and social activities year-round. Dine waterside at Cass Cay Restaurant or enjoy casual meals and golf course views at . Burnt Store Marina is a gated waterfront community spanning over 600 acres along Charlotte Harbor, offering a relaxed coastal lifestyle with easy access to downtown Punta Gorda, Cape Coral, fishing, boating, and Gulf beaches. This is Florida living at its finest!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,516
Sqft
0.16 ac
Lot size
1979
Year built
One
Levels
$181
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.
$2,892 /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
$2,892/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
+3.5%
$/sqft vs Punta Gorda actives
$181 vs $208
Days on market
64 vs 59 typical
Where $181/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 Marina & Country Club
Get to know Punta Gorda. See the full Punta Gorda guide →
Burnt Store Marina & Country Club — neighborhood snapshot
Population
2,152
Median age
73
Median income
$104,062
Median home value
$383,986
Avg household
2
For the school run
Lee 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)
179 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 571% 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 3 PIRATES LANE UNIT 32A
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$265,000
2 PIRATES LANE UNIT 21B · same community
2 bd · 2 ba · 1,516 sqft · $175/sqft · 228 DOM
Sold · Feb ’26$225,000
4 PIRATES LANE UNIT 41A · same community
2 bd · 2 ba · 1,516 sqft · $148/sqft · 71 DOM
Sold · Aug ’25$257,000
1 PIRATES LANE UNIT 14B · same community
2 bd · 2 ba · 1,516 sqft · $170/sqft · 177 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 3 PIRATES LANE UNIT 32A — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3 PIRATES LANE UNIT 32A — 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
3 PIRATES LANE UNIT 32A FAQs
What would the monthly payment be for 3 PIRATES LANE UNIT 32A?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,892/mo — principal and interest, the actual property-tax bill, the $750/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 3 PIRATES LANE UNIT 32A?+
The association fee works out to $750 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3 PIRATES LANE UNIT 32A?+
The most recent tax bill on record (2025) was $2,902. 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 3 PIRATES LANE UNIT 32A?+
The listing reports pets: Breed Restrictions. 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 $275,000, this home is listed about 20% below the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 3 PIRATES LANE UNIT 32A?+
Mariner High School (high), Mariner Middle School (middle), Island Coast High School (high), Hector A. Cafferata Junior Elementary School (elementary), Trafalgar Elementary School (elementary), Challenger Middle School (middle), Patriot Elementary School (elementary), Skyline Elementary School (elementary), North Fort Myers High School (high), Cape Coral High School (high), Ida S. Baker High School (high) — Lee 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
$275,000 runs 571% above the PUNTA GORDA 33955 median.
02Know the monthly fee
The association fee is $750/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong assigned schools
Mariner High School, Mariner Middle School, Island Coast High School, Hector A. Cafferata Junior Elementary School, Trafalgar Elementary School, Challenger Middle School, Patriot Elementary School, Skyline Elementary School, North Fort Myers High School, Cape Coral High School, Ida S. Baker High School — Challenger Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LEGACY PREMIER REALTY LLC · Valerie Busic. MLS #A4693957.
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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