David Ramirez
$490,000$499,0003 bd2 ba2,674 sqft$183 /sqft$3,472 /mo all-in ↓

2076 RIVER BASIN TERRACE, PUNTA GORDA, FL, 33982

Active340 days on marketListed Aug 18, 2025MLS #C7513721

Reduced $9KWaterfrontSingle Family ResidencePALM SHORES

About this home

2076 RIVER BASIN TERRACE

NEW LOWER PRICE! This 3BR/2+1/2BA/2CG waterfront house in the beautiful river front community of Palm Shores is located just minutes from I-75, downtown Punta Gorda and Port Charlotte. Shady oaks grace the front lawn and the fenced-in back yard. The amazing Peace River is just around the corner. The wonderful features of this 2,600+ sq. ft. house turns this into a much-loved home. The foyer atrium creates a beautifully sunlit space with coat closet, convenient half bath and access to storage space under the stairs. That gorgeous natural light extends to the abundant flexible living area where you decide what, where and how to fit your lifestyle. Room measurements are as the space is used at this time. Currently there is a living room, office, den, dining room and exercise room with a wall of windows overlooking the back yard and waterway. The kitchen is spacious with cabinet and counter space galore, all new appliances and counter tops. The separate breakfast nook is roomy and overlooks the side yard. The inside laundry room with a huge pantry is conveniently located off the kitchen area. The garage has 2 shelving units on wheels, a ‘garage ready’ fridge and still plenty of room for 2 cars. Upstairs, the master bedroom and bath are to the left past the atrium. The bedroom is spacious with 2 closets, the master bath boasts a large walk-in shower, a bidet, twin pedestal sinks and cabinets. Bedrooms 2 & 3 are bright and airy, the 2nd bath has a tub and shower. All 3 bedrooms have gorgeous bamboo flooring and are wonderfully quiet. The hallway has a built-in credenza and overlooks the atrium. Your back yard is good sized with a 6’ white vinyl privacy fence. A shed, on an oversized concrete pad, shelters the well equipment and provides even more storage space. The view down the waterway gives you the most glorious sunrises. A detailed list of Improvements, Care & Maintenance performed show the time, attention and care that has been taken to maintain, update and upgrade this home from floor to roof. The flooring tile and grout downstairs has recently been professionally cleaned, fresh interior and exterior paint, newer A/C, and much more make this home move-in ready. There is so much to love about this home in architectural details, views, comfort and peace. Make your appointment today and see for yourself.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,674

Sqft

0.26 ac

Lot size

2

Garage

1986

Year built

Two

Levels

$183

Per sqft

WaterfrontTrees/Woods & Water view

Inside

FlooringBamboo · Ceramic Tile
AppliancesDishwasher · Dryer · Kitchen Reverse Osmosis System · Microwave · Range · Refrigerator · Tankless Water Heater · Washer · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · PrimaryBedroom Upstairs · Solid Surface Counters
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco · Wood Frame
FoundationSlab
ViewTrees/Woods · Water
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorSliding Doors · Storage

Community & fees

Taxes (2025)$2,528/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available
WaterWell

The numbers

What it really costs

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

$3,472 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,885
FHA mortgage insurance (est.)$217
Property tax — 2025 actual bill$211
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,150Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,150
Interest rate6.00%
Loan term

Estimated payment

$3,472/mo

Principal & interest$2,885
FHA mortgage insurance (est.)$217
Property taxes (actual bill)$211
Est. insurance$160

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.

$/sqft vs Punta Gorda actives

$183 vs $208

Days on market

340 vs 59 typical

Where $183/sqft sits among the 400 Punta Gorda actives

90
121 · this home
80
53
21
35
$114–163$163–211$211–260$260–309$309–357$357+

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 2076 RIVER BASIN TERRACE

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

PUNTA GORDA 33982 — neighborhood snapshot

Population

12,543

Median age

53.1

Median income

$68,514

Median home value

$285,400

Avg household

2.24

Households w/ children

1,033

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)

180 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 263% above the PUNTA GORDA 33982 median. See the full Punta Gorda market guide →

Paper trail

This home's history

CurrentPrice reduced to $490,000 $9K
Aug 18, 2025Listed at $499,000 · 340 days on market since
1986Built · PALM SHORES

Reality check

What actually sold near 2076 RIVER BASIN TERRACE

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

28435 SILVER PALM DRIVESold · Oct ’25

$600,000

28435 SILVER PALM DRIVE · same community

3 bd · 2.5 ba · 2,788 sqft · $215/sqft · 54 DOM

2012 RIVER BASIN TERRACESold · Feb ’26

$520,000

2012 RIVER BASIN TERRACE · same community

3 bd · 3 ba · 2,484 sqft · $209/sqft · 316 DOM

8471 Compass Drive, Boynton Beach FL 33436Sold · Nov ’25

$445,000

8471 Compass Drive, Boynton Beach FL 33436 · same community

3 bd · 2 ba · 2,246 sqft · $198/sqft · 75 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 2076 RIVER BASIN TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2076 RIVER BASIN TERRACE — 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

2076 RIVER BASIN TERRACE FAQs

What would the monthly payment be for 2076 RIVER BASIN TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,472/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 2076 RIVER BASIN TERRACE?+

The most recent tax bill on record (2025) was $2,528. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Punta Gorda?+

At $490,000, this home is listed about 42% 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 2076 RIVER BASIN TERRACE?+

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.

The brief

Four things that matter here

01Positioned at the premium end

$490,000 runs 263% above the PUNTA GORDA 33982 median — but at 2,674 sqft it's also 56% 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

340 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 $499,000, now $490,000 — a $9K cut. The full history is in the market section below.

Listing courtesy of COLLINS MANAGEMENT · Robin Vitali. MLS #C7513721.

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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2076 RIVER BASIN TERRACE, PUNTA GORDA, FL — 3 Bed, 2 Bath — $490,000 | CENTURY 21 Edge