8648 LAKE FRONT COURT, PUNTA GORDA, FL, 33950
Active79 days on marketListed May 20, 2026MLS #A4694126
About this home
8648 LAKE FRONT COURT
Welcome to easy Florida living in the desirable 55+ gated community of Rio Villa Lakes in Punta Gorda! With a low monthly HOA and a convenient location just minutes from downtown Punta Gorda’s charming shops, restaurants, and waterfront attractions, this beautifully maintained home offers the perfect blend of comfort, privacy, and peaceful lakefront views .An inviting open floor plan featuring a sunny great room and tile flooring throughout most of the home, with carpet reserved for the primary bedroom. The spacious kitchen offers a breakfast bar, pantry, and a newer LG refrigerator. Sliding glass doors lead to the lanai where you can relax and enjoy sparkling lake views along with the birds and wildlife that make this setting so special. The split-bedroom layout provides privacy for both owners and guests, with two guest bedrooms and a shared bathroom located toward the front of the home. The generously sized primary suite is tucked away at the back of the home and features two closets, including a walk-in closet, along with an ensuite bathroom complete with a dual sink vanity, soaking tub, separate shower, and linen closet. Additional features include a newer roof, fresh exterior paint, irrigation for the lawn, shutters for the windows, a screened front entryway, and a garage door screen that allows you to enjoy the breeze while working or relaxing in the garage. Transferable flood insurance adds additional value and peace of mind. This move in ready home is nestled within a quaint, golf cart friendly community offering amenities including a pool, clubhouse, tennis, and pickleball courts. Come experience the beauty and lifestyle Rio Villa Lakes has to offer, you may just fall in love.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,788
Sqft
0.18 ac
Lot size
2
Garage
2011
Year built
One
Levels
$190
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.
$2,837 /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
$2,837/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
−11.7%
$/sqft vs Punta Gorda actives
$190 vs $208
Days on market
79 vs 59 typical
Where $190/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 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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
192 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 26% 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 8648 LAKE FRONT COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$324,000
24827 RIO VILLA LAKES CIRCLE · same community
3 bd · 2 ba · 1,788 sqft · $181/sqft · 12 DOM
Sold · Apr ’26$250,000
24556 RIO VILLA LAKES CIRCLE · same community
3 bd · 2 ba · 1,575 sqft · $159/sqft · 10 DOM
Sold · Mar ’26$317,000
24676 RIO VILLA LAKES CIRCLE · same community
3 bd · 2 ba · 1,477 sqft · $215/sqft · 5 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 8648 LAKE FRONT COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8648 LAKE FRONT 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
8648 LAKE FRONT COURT FAQs
What would the monthly payment be for 8648 LAKE FRONT COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,837/mo — principal and interest, the actual property-tax bill, the $272/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 8648 LAKE FRONT COURT?+
The association fee works out to $272 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8648 LAKE FRONT COURT?+
The most recent tax bill on record (2025) was $3,045. 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 8648 LAKE FRONT COURT?+
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 $339,900, this home is priced right at the Punta Gorda median.
Which schools are assigned to 8648 LAKE FRONT COURT?+
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
Three things that matter here
01Positioned at the premium end
$339,900 runs 26% above the PUNTA GORDA 33950 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $345,000, now $339,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA FUTURE REALTY INC · Erica Kolinski, Llc. MLS #A4694126.
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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