200 HARBOR WALK DRIVE UNIT 354, PUNTA GORDA, FL, 33950
Active142 days on marketListed Mar 13, 2026MLS #C7523258
About this home
200 HARBOR WALK DRIVE UNIT 354
Experience elevated waterfront living from this beautifully furnished, turn-key penthouse residence in Harbor Walk, ideally located in the heart of downtown Punta Gorda. Perched on the 5th floor, this spacious 3-bedroom, 2-bath condominium offers 2,018 square feet of light-filled living space, cathedral and vaulted ceilings, and spectacular southeast-facing views of Charlotte Harbor and Peace River. From sunrise skies to passing boats and shimmering water vistas, the screened lanai provides the perfect setting to relax and enjoy the very best of Southwest Florida living. Inside, the open floorplan is both inviting and functional, featuring bamboo flooring in the main living areas and bedrooms, ceramic tile in baths and lanai areas, granite counters, generous cabinetry, pantry storage, and a breakfast bar that opens seamlessly to the living and dining spaces. The spacious primary suite offers water views, a walk-in closet, and an ensuite bath with dual sinks, granite counters, a garden tub, and separate shower. Two additional bedrooms provide flexibility for guests, a home office, or seasonal living. Offered furnished and turn-key, this residence is ready for immediate enjoyment as a full-time home, winter retreat, or lock-and-leave waterfront escape. Additional features include elevator access, hurricane shutters, private entry, storage, central vacuum, and assigned under-building parking. Harbor Walk residents enjoy a heated community pool, tennis courts, and one of Punta Gorda’s most desirable waterfront locations, just moments from Laishley Park, marinas, waterfront dining, boutique shopping, walking and biking paths, festivals, and the charm of historic downtown. Punta Gorda is prized not only for its vibrant Harborfront lifestyle, but also for its convenient location with easy access to nearby airports in Punta Gorda, Fort Myers, and Sarasota. Residents also enjoy close proximity to world-class Gulf beaches, exceptional golf, renowned boating and fishing, and the area’s ever-growing pickleball scene. This is low-maintenance Florida waterfront living at its finest, with the views, lifestyle, and location buyers are searching for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,018
Sqft
0 ac
Lot size
1
Garage
2001
Year built
One
Levels
$280
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.
$4,609 /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
$4,609/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
+30.5%
$/sqft vs Punta Gorda actives
$280 vs $206
Days on market
142 vs 59 typical
Where $280/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 Downtown Punta Gorda
Get to know Punta Gorda. See the full Punta Gorda guide →
Downtown Punta Gorda — neighborhood snapshot
Population
266
Median age
62
Median income
$60,897
Median home value
$330,312
Avg household
2
Households w/ children
22%
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)
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 111% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 200 HARBOR WALK DRIVE UNIT 354
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$390,500
268 LEWIS CIRCLE UNIT 132
3 bd · 2 ba · 2,021 sqft · $193/sqft · 137 DOM
Sold · Sep ’25$485,000
437 SOUTH DRIVE
3 bd · 2 ba · 2,039 sqft · $238/sqft · 63 DOM
Sold · Jun ’26$500,000
1128 RUM CAY COURT
3 bd · 2 ba · 2,071 sqft · $241/sqft · 8 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 200 HARBOR WALK DRIVE UNIT 354 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 200 HARBOR WALK DRIVE UNIT 354 — 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
200 HARBOR WALK DRIVE UNIT 354 FAQs
What would the monthly payment be for 200 HARBOR WALK DRIVE UNIT 354?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,609/mo — principal and interest, the actual property-tax bill, the $900/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 200 HARBOR WALK DRIVE UNIT 354?+
The association fee works out to $900 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 200 HARBOR WALK DRIVE UNIT 354?+
The most recent tax bill on record (2025) was $3,459. 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 200 HARBOR WALK DRIVE UNIT 354?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $565,000, this home is listed about 64% 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 200 HARBOR WALK DRIVE UNIT 354?+
Sallie Jones Elementary School (elementary), Charlotte High School (high), Punta Gorda Middle School (middle) — Charlotte 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
$565,000 runs 111% above the PUNTA GORDA 33950 median — but at 2,018 sqft it's also 17% larger than the typical Punta Gorda listing.
02City & Garden & Park/Greenbelt & Tennis Court & Trees/Woods & Water views
The city and garden and park/greenbelt and tennis court and trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $900/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
142 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Sallie Jones Elementary School, Charlotte High School, Punta Gorda Middle School — Sallie Jones Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of JOHN R WOOD PROPERTIES · Crystal Coovert. MLS #C7523258.
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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