David Ramirez
$1,750,0003 bd3.5 ba2,846 sqft$615 /sqft$11,617 /mo all-in ↓

48 COLONY POINT DRIVE, PUNTA GORDA, FL, 33950

Active178 days on marketListed Jan 28, 2026MLS #C7520870

WaterfrontPrivate poolSingle Family ResidencePUNTA GORDA ISLES SEC 03

About this home

48 COLONY POINT DRIVE

Water defines the experience from the first glance to the final sunset. With swift, DIRECT sailboat access to Charlotte Harbor and the open Gulf beyond, this waterfront residence offers effortless boating paired with a thoughtfully upgraded living environment within the desirable Punta Gorda Isles community. The home features 3 bedrooms, 3.5 baths, and a versatile loft or bonus room in an open, split-bedroom main floor layout that feels both expansive and inviting. Brazilian cherry hardwood floors in the master and loft, a fully refreshed interior, and custom plantation shutters establish a timeless aesthetic, while natural light fills the great room with its volume ceilings, gas fireplace, and expansive sliders opening seamlessly to the lanai. The kitchen blends beauty and function with a five-burner gas cooktop, under-counter wine chiller, generous cabinetry, and a buried 500-gallon propane tank supporting indoor and outdoor features. The primary suite is privately positioned on the main level with direct lanai access, a spacious custom California closet, and a well-appointed bath retreat. Two additional guest bedrooms are also located on the main floor, including one with an en-suite bath and lanai access, offering comfort and privacy for family or visitors. Upstairs, a versatile loft-style space with a convenient half bath opens to a private balcony with elevated water views, making it ideal for a home office, media lounge, or flexible retreat. Outdoor living is a destination of its own, highlighted by a heated pool and spa professionally resurfaced with Pebble Tec in 2024 and enhanced with full automation, waterfalls, fire bowls, and sculptural water features. The screened lanai is designed for effortless entertaining with ambient party lighting, ceiling fan and light combinations, and a fully equipped outdoor kitchen featuring granite countertops, a Coyote grill, dual propane burners, refrigerator, and roof-vented hood. A new walkway leads you down to a concrete dock that was constructed in 2023 providing shore power, fresh water, and exceptional functionality, including two boat lifts replaced in 2023 and rated at 12,000 and 6,000 pounds, along with an additional lift for a kayak or small craft, making quick harbor access (2 minutes to open water) part of everyday life. Additional improvements include two new air conditioning units (installed 2020), a standing-seam metal roof (2023), professional landscaping enhancements in 2024, 2024 Whirlpool, impact-rated doors, Bahama shutters, a motorized front porch sunshade, updated exterior lighting, and an oversized two-car garage with epoxy flooring, custom cabinetry, and extended storage. Dual-zone climate control, multiple water heaters, owned security equipment, and electronic shade and locking systems complete this home, which is shaped by intention, elevated by its setting, and designed for a lifestyle that values both ease and excellence.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,846

Sqft

0.22 ac

Lot size

2

Garage

2006

Year built

Two

Levels

$615

Per sqft

Private poolWaterfrontFireplacePool & Water viewNegotiablePets allowed

Inside

FlooringTile · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesWest
ParkingCircular Driveway · Garage Door Opener · Oversized · Workshop in Garage
ExteriorBalcony · French Doors · Hurricane Shutters · Irrigation System · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$16,298/yr
PetsYes
CommunityFishing · Water Access · Waterfront · Deed Restrictions · Park

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Propane · Public · Sewer Connected · 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.

$11,617 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,443
PMI (est., until 20% equity)$656
Property tax — 2025 actual bill$1,358
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $175,000Loan30-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% · $175,000
Interest rate6.00%
Loan term

Estimated payment

$11,617/mo

Principal & interest$9,443
PMI (est., until 20% equity)$656
Property taxes (actual bill)$1,358
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 $1.8M
$841KedgeAI estimate $1,257,246 · range $876K$1.5M$1.8M

vs edgeAI estimate

+39.2%

$/sqft vs Punta Gorda actives

$615 vs $209

Days on market

178 vs 59 typical

Where $615/sqft sits among the 400 Punta Gorda actives

169
145
53
16
7
10 · this home
$114–197$197–281$281–364$364–448$448–531$531+

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 48 COLONY POINT DRIVE

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)

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 543% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

Jan 28, 2026Listed at $1,750,000 · 178 days on market since
2006Built · PUNTA GORDA ISLES SEC 03

Reality check

What actually sold near 48 COLONY POINT DRIVE

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

68 COLONY POINT DRIVESold · Mar ’26

$550,000

68 COLONY POINT DRIVE · same community

3 bd · 2 ba · 2,033 sqft · $271/sqft · 9 DOM

48 HIBISCUS DRIVESold · Jan ’26

$525,000

48 HIBISCUS DRIVE · same community

3 bd · 2 ba · 1,387 sqft · $379/sqft · 266 DOM

1592 AQUI ESTA DRIVESold · Feb ’26

$690,000

1592 AQUI ESTA DRIVE

3 bd · 2 ba · 2,987 sqft · $231/sqft · 114 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 48 COLONY POINT DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 48 COLONY POINT DRIVE — 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

48 COLONY POINT DRIVE FAQs

What would the monthly payment be for 48 COLONY POINT DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,617/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 48 COLONY POINT DRIVE?+

The most recent tax bill on record (2025) was $16,298. 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 48 COLONY POINT DRIVE?+

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 $1,750,000, this home is listed about 407% 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 48 COLONY POINT DRIVE?+

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

$1,750,000 runs 543% above the PUNTA GORDA 33950 median — but at 2,846 sqft it's also 66% 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

178 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.

Listing courtesy of RE/MAX HARBOR REALTY · Bobbi Bevis. MLS #C7520870.

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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