1041 HARBOUR DRAKE DRIVE, PUNTA GORDA, FL, 33983
Active160 days on marketListed Feb 15, 2026MLS #C7522009
About this home
1041 HARBOUR DRAKE DRIVE
Impressive 4 Bedroom, 3 Bedroom home with attached two car garage located in the exclusive gated community of HARBOUR OAKS. This spacious light and bright home offers an open and split floor plan with Great Room, Family Room, separate Dining Room, well appointed Kitchen and Inside Laundry. The Kitchen features white cabinetry, tile backsplash, quartz countertops, built in desk, walk in pantry closet, stainless appliances Large island seats four and offers a sink and additional storage. There is a dining area with aquarium glass overlooking the pool. Both the Great Room and the Family Room have lanai access via sliding glass doors. The spacious Master Bedroom suite features lanai access, large walk in closet and private bathroom with garden tub. There are three additional spacious bedrooms with great closet space and two additional bathrooms. Your living space extends via sliding glass doors to the screened lanai area with covered area, lots of deck for sunbathing and inground pool. Other features include double door entry with transom window, double window and transom window in the dining room, plant shelves in the Dining Room and Great Room, ceiling fans, built in electric fireplace in the Family Room. Beautiful design features throughout the home. Utilities are county water and sewer. HARBOUR OAKS is a beautiful community with lush landscaping, a park-like setting, tennis courts, basketball courts, playground. Don't miss this beautiful home in a great location.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,629
Sqft
0.39 ac
Lot size
2
Garage
2002
Year built
One
Levels
$247
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.
$4,440 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,440/mo
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.
vs edgeAI estimate
−6.2%
$/sqft vs HRBR HEIGHTS
$247 vs $236
Days on market
160 vs 59 typical
Where $247/sqft sits among the 23 homes for sale in HRBR HEIGHTS
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
Get to know Punta Gorda. See the full Punta Gorda guide →
PUNTA GORDA 33983 — neighborhood snapshot
Population
18,230
Median age
56.6
Median income
$67,705
Median home value
$324,100
Avg household
2.31
Households w/ children
1,552
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)
13 of 23
HRBR HEIGHTS have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 797% above the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 1041 HARBOUR DRAKE DRIVE
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$600,000
27300 SAN CARLOS DRIVE · same community
4 bd · 3 ba · 2,596 sqft · $231/sqft · 3 DOM
Sold · Apr ’26$400,000
2341 TALBROOK TERRACE · same community
4 bd · 3 ba · 2,554 sqft · $157/sqft · 76 DOM
Sold · Apr ’26$900,000
3656 PEACE RIVER DRIVE · same community
4 bd · 3 ba · 2,933 sqft · $307/sqft · 33 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 1041 HARBOUR DRAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1041 HARBOUR DRAKE 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.
Straight answers
1041 HARBOUR DRAKE DRIVE FAQs
What would the monthly payment be for 1041 HARBOUR DRAKE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,440/mo — principal and interest, the actual property-tax bill, the $175/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 1041 HARBOUR DRAKE DRIVE?+
The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1041 HARBOUR DRAKE DRIVE?+
The most recent tax bill on record (2025) was $4,248. 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 1041 HARBOUR DRAKE DRIVE?+
The listing reports pets: Breed Restrictions. 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 $650,000, this home is listed about 88% 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 1041 HARBOUR DRAKE DRIVE?+
Deep Creek Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — 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
$650,000 runs 797% above the PUNTA GORDA 33983 median — but at 2,629 sqft it's also 53% 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
160 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Deep Creek Elementary School, Punta Gorda Middle School, Charlotte High School — Deep Creek Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Gerald Hayes. MLS #C7522009.
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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