5127 MELBOURNE STREET UNIT F103, PUNTA GORDA, FL, 33980
Active180 days on marketListed Feb 12, 2026MLS #C7521853
About this home
5127 MELBOURNE STREET UNIT F103
“The Preserve at Charlotte Harbor” offers a private serene setting just minutes to the Harbor and downtown Punta Gorda. This beautifully renovated 3 Bedroom, 2.5 Bath, Turn-Key Condo offers an open floor plan and plenty of space for guests.When you enter through the front door you will notice the large flex space that can be used as a sitting area or mudroom, arched entry ways , ceramic flooring throughout and high ceilings. Both guest bedrooms are large in size and has king size beds and plenty of storage space. The kitchen has been updated to include solid wood cabinets, granite counters, new appliances, ceramic flooring and a built in pantry with slide outs. The living room/dining room offer ample space and overlooks the pool and garden areas. The Condo has been freshly painted, has Hurricane Impact Windows and Sliders. The primary suite is large in size, offers a king size bed, dresser, end tables, television, and has its own private door to the screened in balcony. There is an additional flex space between the bedroom and the bathroom. This can be used for a small office or sitting area. The ensuite has a large walk-in shower, garden tub, dual vanities and a walk- in closet. Laundry room offers new washer and dryer and easy access to A/C and water heater. The unit includes two parking spaces, one is assigned. Condo fees include water, sewer, internet, cable tv and access to all amenities. This private retreat offers resort-style amenities to include a club house, putting green, heated swimming pool, fitness center, gas grills, and a library. This prime location is just minutes from the Sun Seeker Resort and down town Punta Gorda. The area offers dining, entertainment, fishing, boating, community events, local airport, pickle ball and golf courses. Schedule your showing today.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,759
Sqft
2005
Year built
One
Levels
$170
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.
$2,423 /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
$2,423/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
+29.9%
$/sqft vs Punta Gorda actives
$170 vs $206
Days on market
180 vs 62 typical
Where $170/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 Riverwalk District
Get to know Punta Gorda. See the full Punta Gorda guide →
Riverwalk District — neighborhood snapshot
Population
257
Median age
66
Median income
$35,129
Median home value
$197,306
Avg household
2
Households w/ children
8%
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
95.1%
Sale-to-list ratio (12 mo)
196 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 115% above the PUNTA GORDA 33980 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 5127 MELBOURNE STREET UNIT F103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$160,000
5115 MELBOURNE STREET UNIT A303 · same community
3 bd · 2.5 ba · 1,759 sqft · $91/sqft · 56 DOM
Sold · Mar ’26$230,000
5127 MELBOURNE STREET UNIT F301 · same community
3 bd · 2.5 ba · 1,831 sqft · $126/sqft · 31 DOM
Sold · Mar ’26$226,000
23475 HARPER AVENUE
4 bd · 2 ba · 1,752 sqft · $129/sqft · 304 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 5127 MELBOURNE STREET UNIT F103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5127 MELBOURNE STREET UNIT F103 — 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
5127 MELBOURNE STREET UNIT F103 FAQs
What would the monthly payment be for 5127 MELBOURNE STREET UNIT F103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,423/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 5127 MELBOURNE STREET UNIT F103?+
The most recent tax bill on record (2025) was $4,410. 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 5127 MELBOURNE STREET UNIT F103?+
The listing reports pets: No. 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 $299,500, this home is listed about 12% below the Punta Gorda median of $339,094. The market section on this page shows how the area is trending.
Which schools are assigned to 5127 MELBOURNE STREET UNIT F103?+
Peace River Elementary School (elementary), Charlotte High School (high), Port Charlotte Middle School (middle) — 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
$299,500 runs 115% above the PUNTA GORDA 33980 median.
02Pool & Trees/Woods views
The pool and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
180 days on market against a Punta Gorda median of 62 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Stacy Scraper. MLS #C7521853.
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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