3170 MATECUMBE KEY ROAD UNIT 115, PUNTA GORDA, FL, 33955
Active257 days on marketListed Nov 21, 2025MLS #C7517585
About this home
3170 MATECUMBE KEY ROAD UNIT 115
Welcome to this beautifully maintained first-floor, fully furnished condo in the highly sought-after Keel Club at Burnt Store Marina. An extremely rare opportunity in Southwest Florida for both investors and seasonal owners alike. With absolutely no rental restrictions or minimum lease requirements, properties like this are truly one in a million. Whether you are looking for a high-performing Airbnb, vacation rental, seasonal retreat, or full-time residence, this condo offers unmatched flexibility and income potential. Even better, the seller already has the unit rented for the 2027 season, giving the next owner immediate future income in place. Offered turnkey and move-in ready, the condo is ideally located just steps from the waterfront restaurant, marina office, The Trading Post deli, and the heated community pool. Notably, the unit experienced no flood damage from any hurricanes, providing valuable peace of mind. Inside, you will find a bright updated living space, a spacious bedroom with a king-size bed and newer Berber carpet, and an enclosed lanai with solar-tinted vinyl panels and screens perfect for year-round enjoyment. A large utility closet includes an in-unit washer and dryer, while the kitchen features stainless steel appliances. Recent upgrades include a 2022 water heater and a new A/C motor installed in 2025 with routine servicing twice per year. One of the biggest draws is the world-renowned Safe Harbor Marina, attracting boaters and visitors from around the globe. Residents and guests enjoy waterfront dining, observation decks, abundant wildlife, dolphin sightings, and optional memberships for golf, fitness, tennis, pickleball, bocce, and social activities. Rarely do condos in SWFL have this type of lifestyle, flexibility, and unrestricted rental potential all in one package.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
593
Sqft
0.16 ac
Lot size
1983
Year built
One
Levels
$303
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 — not generic estimates.
$1,511 /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
$1,511/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
−0.1%
$/sqft vs Punta Gorda actives
$303 vs $207
Days on market
257 vs 60 typical
Where $303/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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
193 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 339% 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 3170 MATECUMBE KEY ROAD UNIT 115
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$210,000
3170 MATECUMBE KEY ROAD UNIT 132 · same community
1 bd · 1 ba · 593 sqft · $354/sqft · 411 DOM
Sold · May ’26$215,000
3160 MATECUMBE KEY ROAD UNIT 214 · same community
1 bd · 1 ba · 593 sqft · $363/sqft · 33 DOM
Sold · Nov ’25$195,000
3160 MATECUMBE KEY ROAD UNIT 234 · same community
1 bd · 1 ba · 593 sqft · $329/sqft · 51 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 3170 MATECUMBE KEY ROAD UNIT 115 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3170 MATECUMBE KEY ROAD UNIT 115 — 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
3170 MATECUMBE KEY ROAD UNIT 115 FAQs
What would the monthly payment be for 3170 MATECUMBE KEY ROAD UNIT 115?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,511/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 3170 MATECUMBE KEY ROAD UNIT 115?+
The most recent tax bill on record (2024) was $2,549. 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 3170 MATECUMBE KEY ROAD UNIT 115?+
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 $179,900, this home is listed about 48% below the Punta Gorda median of $344,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3170 MATECUMBE KEY ROAD UNIT 115?+
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
Five things that matter here
01Positioned at the premium end
$179,900 runs 339% above the PUNTA GORDA 33955 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
257 days on market against a Punta Gorda median of 60 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $189,900, now $179,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Kris White. MLS #C7517585.
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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