David Ramirez
$764,900$849,5003 bd3 ba2,302 sqft$332 /sqft$5,174 /mo all-in ↓

3937 BAL HARBOR BOULEVARD, PUNTA GORDA, FL, 33950

Active265 days on marketListed Nov 2, 2025MLS #C7516537

Reduced $85KPrivate poolSingle Family ResidencePUNTA GORDA ISLES SEC 12

About this home

3937 BAL HARBOR BOULEVARD

Discover the perfect blend of luxury, comfort, and Florida living in this custom-built 3-bedroom, 3-bathroom, 3-car garage pool home with an office, ideally situated in the sought-after Punta Gorda Isles community. Overlooking the 5th hole of St. Andrew’s Golf Course, this Golf course home sits on an oversized corner lot, offering breathtaking views and a peaceful ambiance. The home entrance is located off Suzi St., though it carries a Bal Harbor Blvd. address. A brick-paved, expanded 30-foot driveway leads to a 3-car garage, designed to city maximum limits with a 24-foot width through the covert and right-of-way. Lush landscaping, highlighted by numerous trees and bushes beyond the builder’s original city requirements, is beautifully enhanced with paver-surrounded garden beds finished with 1-1/2” brown and red stone. Landscape lighting in the front yard adds to the home's striking curb appeal. Inside, the thoughtfully designed layout features an expansive great room with double tray ceilings, wood-grain tile flooring, and a wall of sliders that open to the lanai, creating an effortless connection between indoor and outdoor spaces. The gourmet kitchen is a chef’s dream, complete with granite countertops, solid wood cabinetry with crown molding, a center island with prep sink and storage, high-end stainless steel appliances, and a cozy breakfast nook offering stunning golf course and backyard views through a panoramic window. A formal dining room provides the perfect space for entertaining, while the dedicated office/den offers a private retreat. The primary suite is a peaceful escape, featuring tray ceilings with crown molding, custom walk-in closets, and a private access to the pool area. The en-suite bath is elegantly designed with dual granite-topped vanities and a spacious Roman-style walk-in shower ,there are 2 additional Bedrooms separate from the Primary bedroom, 1 of the guest bedrooms has an en suite bathroom. Step outside to an incredible outdoor living space featuring a 60-foot heated saltwater pool with custom tile and marked measurement lines for serious swimmers. A large Hayward pool heat pump ensures year-round comfort. The lanai is finished with a stunning wood ceiling and includes a convenient outdoor sink. An additional water faucet in the backyard adds ease for gardening and maintenance. The 3-car garage is designed for function and comfort, featuring an epoxy-coated floor, insulated ceiling, and a dedicated split A/C unit for climate control. A whole-house solar system helps maintain a lower energy bill (has already been paid off by the sellers). For added convenience, a 12,500-watt portable generator is connected via an outdoor outlet to the main electrical panel (available for purchase outside of sale). Located just minutes from Fishermen’s Village, historic downtown Punta Gorda, Charlotte Harbor, and the this this home is surrounded by top-rated restaurants, boutique shopping, and entertainment. For outdoor enthusiasts, enjoy world-class boating, fishing, sailing, and pristine Gulf beaches, all just a short drive away. Golfers will love the close proximity to championship courses, making this home an ideal retreat for those seeking the ultimate Florida lifestyle. Do you like to sail?or go boating? A Marina and Public boat launch are just a short drive away!

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,302

Sqft

0.37 ac

Lot size

3

Garage

2019

Year built

One

Levels

$332

Per sqft

Private poolGolf Course & Pool viewNegotiable

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Open Floorplan · Pest Guard System · Primary Bedroom Main Floor · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Laundry Room
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric · Solar
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionConcrete · Stucco
FoundationSlab · Stem Wall
ViewGolf Course · Pool
FacesSoutheast
ParkingDriveway · Garage Door Opener
ExteriorHurricane Shutters · Irrigation System · Lighting · Outdoor Shower · Private Mailbox · Rain Gutters · Shade Shutter(s) · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$7,202/yr
CommunityDeed Restrictions · Golf

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Solar · Underground Utilities · 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.

$5,174 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,127
PMI (est., until 20% equity)$287
Property tax — 2025 actual bill$600
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $76,490Loan30-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% · $76,490
Interest rate6.00%
Loan term

Estimated payment

$5,174/mo

Principal & interest$4,127
PMI (est., until 20% equity)$287
Property taxes (actual bill)$600
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.

List $765K
$734KedgeAI estimate $1,085,413 · range $853K$1.4M$1.4M

vs edgeAI estimate

−29.5%

$/sqft vs PUNTA GORDA ISLES SEC 12

$332 vs $296

Days on market

265 vs 59 typical

Where $332/sqft sits among the 17 homes for sale in PUNTA GORDA ISLES SEC 12

3
6
5 · this home
1
0
2
$176–253$253–329$329–406$406–482$482–559$559+

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 3937 BAL HARBOR BOULEVARD

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

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

12 of 17

PUNTA GORDA ISLES SEC 12 have cut their price

Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 181% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

CurrentPrice reduced to $764,900 $85K
Nov 2, 2025Listed at $849,500 · 265 days on market since
2019Built · PUNTA GORDA ISLES SEC 12

Reality check

What actually sold near 3937 BAL HARBOR BOULEVARD

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

3307 DOMINICA COURTSold · Jun ’26

$1,015,000

3307 DOMINICA COURT · same community

3 bd · 2.5 ba · 2,308 sqft · $440/sqft · 89 DOM

1336 CASEY KEY DRIVESold · Apr ’26

$764,000

1336 CASEY KEY DRIVE · same community

3 bd · 2 ba · 2,320 sqft · $329/sqft · 14 DOM

3829 SAINT KITTS COURTSold · Dec ’25

$969,000

3829 SAINT KITTS COURT · same community

3 bd · 2.5 ba · 2,283 sqft · $424/sqft · 3 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 3937 BAL HARBOR BOULEVARD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3937 BAL HARBOR BOULEVARD — 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

3937 BAL HARBOR BOULEVARD FAQs

What would the monthly payment be for 3937 BAL HARBOR BOULEVARD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,174/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 3937 BAL HARBOR BOULEVARD?+

The most recent tax bill on record (2025) was $7,202. 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 $764,900, this home is listed about 122% 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 3937 BAL HARBOR BOULEVARD?+

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

Four things that matter here

01Positioned at the premium end

$764,900 runs 181% above the PUNTA GORDA 33950 median — but at 2,302 sqft it's also 34% larger than the typical Punta Gorda listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

265 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 $849,500, now $764,900 — a $85K cut. The full history is in the market section below.

Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Toni Stacy. MLS #C7516537.

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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