
130 BREAKERS COURT UNIT 221, PUNTA GORDA, FL, 33950
Active287 days on marketListed Oct 10, 2025MLS #C7516069
About this home
130 BREAKERS COURT UNIT 221
Seller offering to pay first year's HOA fee for the buyer or contribute $10,000 towards the buyer's closing costs and prepaids! Punta Gorda Waterfront Condo with Private Marina Access! Experience coastal living at its finest in this beautifully upgraded, turnkey 2nd-floor condo — perfectly positioned with no bridges out to open water and a 13,500 lb. assigned boat lift ready for your next adventure. Set within a community featuring its own private marina and heated pool, this property blends modern upgrades with a relaxed waterfront lifestyle, walking distance to Fisherman’s Village, offering boutique shopping, dining, and entertainment right nearby. Step inside and discover an open floor plan filled with natural light and thoughtful finishes. The upgraded kitchen features quartz countertops, soft-close cabinetry, stainless steel appliances, a microwave convection and oven combo, tiled backsplash, and a breakfast bar that opens to the main living area. A pass-through window to the lanai makes entertaining or casual dining a breeze. The lanai itself is designed for year-round enjoyment, featuring removable sliding panels that allow you to bring in the cool air or enjoy the comfort of your central AC. Throughout the condo, you’ll find luxury vinyl plank flooring—no carpet anywhere—and new tile on the lanai. The Wi-Fi-controlled thermostat lets you manage comfort from anywhere. Both bathrooms have been beautifully upgraded with modern vanities and fixtures, while the master suite features dual walk-in closets and a large tiled walk-in shower. The guest bedroom also includes a walk-in closet, and bedroom three comes with a built-in closet for added storage. Bedroom two doubles as a library or flex space with a built-in Murphy bed, ideal for versatile living. Additional highlights include hurricane shutters for the entire home, with automatic shutters for the front door, kitchen, and lanai. Other recent upgrades include a metal roof installed in 2023 and a dedicated office with extra storage closet. The interior laundry room is fully equipped with cabinets, a utility sink, and storage racks. Outside, enjoy direct sailboat-water access to the Gulf of Mexico — power and electric are already in place at your lift. This turnkey condo is truly move-in ready, right down to the stocked kitchenware. If you’re seeking luxury, function, and effortless waterfront living in Punta Gorda, this condo delivers it all — from the sleek finishes inside to the open water adventures just beyond your dock.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,932
Sqft
0.04 ac
Lot size
1995
Year built
One
Levels
$285
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.
$5,170 /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
$5,170/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
+35.4%
$/sqft vs Punta Gorda actives
$285 vs $207
Days on market
287 vs 59 typical
Where $285/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 Fisherman's Village
Get to know Punta Gorda. See the full Punta Gorda guide →
Fisherman's Village — neighborhood snapshot
Population
109
Median age
66
Median income
$66,832
Median home value
$389,400
Avg household
2
Households w/ children
6%
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 → $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 100% 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 130 BREAKERS COURT UNIT 221
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$380,000
3308 PURPLE MARTIN DRIVE UNIT 121
3 bd · 2 ba · 1,905 sqft · $199/sqft · 1 DOM
Sold · May ’26$425,000
453 CAROLYN LANE
3 bd · 2 ba · 1,893 sqft · $225/sqft · 327 DOM
Sold · May ’26$390,000
3308 PURPLE MARTIN DRIVE UNIT 122
3 bd · 2 ba · 1,882 sqft · $207/sqft · 69 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 130 BREAKERS COURT UNIT 221 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 130 BREAKERS COURT UNIT 221 — 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
130 BREAKERS COURT UNIT 221 FAQs
What would the monthly payment be for 130 BREAKERS COURT UNIT 221?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $5,170/mo — principal and interest, the actual property-tax bill, the $893/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 130 BREAKERS COURT UNIT 221?+
The association fee works out to $893 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 130 BREAKERS COURT UNIT 221?+
The most recent tax bill on record (2024) was $7,638. 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 130 BREAKERS COURT UNIT 221?+
The listing reports pets: Number Limit. 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 $549,900, this home is listed about 59% 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 130 BREAKERS COURT UNIT 221?+
Sallie Jones Elementary School (elementary), Charlotte High School (high), Punta Gorda Middle School (middle) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$549,900 runs 100% 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.
03Know the monthly fee
The association fee is $893/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
287 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Sallie Jones Elementary School, Charlotte High School, Punta Gorda Middle School — Sallie Jones Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · Rhonda Gustitus. MLS #C7516069.
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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