2194 BAYOU ROAD, PUNTA GORDA, FL, 33950
Active124 days on marketListed Mar 22, 2026MLS #C7523706
About this home
2194 BAYOU ROAD
WATERFRONT HOME W/NEW ROOF ON OVERSIZED TIP LOT & EXTREMELY QUICK SAILBOAT ACCESS!!! Opportunities like this don’t come up often: a rare, oversized tip lot located in the original sailboat section of Punta Gorda Isles with 183 feet of seawall, intersecting canal views, and quick, deep water sailboat access to open water. SO MUCH POTENTIAL HERE!! Spanning nearly 3,000 sq ft, the 3 bed/2.5 bath + den home was designed with the canal view in mind. A wall of sliding glass doors lines the rear, bringing in natural light and creating a seamless connection to the lanai and pool. The layout is spacious and functional, with multiple living areas and a natural flow that already lends itself to modern living. Home is ready for renovation w/NEW STONE COATED METAL TILE ROOF and great bones already in place. There are terrazzo floors peeking through in several rooms just waiting to be restored - a detail that speaks to the home’s timeless character. The footprint is there, the space is there, and the split bedroom layout makes sense - it just needs the right vision to bring it back to life. The screened lanai and pool overlook the wraparound view of intersecting canals. Dock is positioned off to the side so it doesn't interfere with the view. Bring your imagination and restore this amazing home. OR consider building your own, custom masterpiece here. Buy for the amazing lot and imagine what is possible - a home that is truly one-of-a-kind. The size and the shape of the lot allow you to create something truly exceptional, something that can't be replicated. Enjoy some of the best fishing and boating from your backyard with an existing 25ft concrete dock. This FANTASTIC LOCATION means this home is just moments from the Isles Yacht Club, historic downtown Punta Gorda, and numerous local parks. Whether walking, biking, boating or driving, you’ll find yourself close to shopping, dining, and entertainment. Discover for yourself why Punta Gorda is often considered among the best places to live, work, and retire in SW Florida.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,980
Sqft
0.37 ac
Lot size
2
Garage
1974
Year built
One
Levels
$326
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.
$6,293 /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
$6,293/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
−35.1%
$/sqft vs PUNTA GORDA ISLES SEC 04
$326 vs $381
Days on market
124 vs 59 typical
Where $326/sqft sits among the 13 homes for sale in PUNTA GORDA ISLES SEC 04
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 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
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)
6 of 13
PUNTA GORDA ISLES SEC 04 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 253% 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 2194 BAYOU ROAD
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$950,000
48 TROPICANA DRIVE · same community
3 bd · 3 ba · 2,527 sqft · $376/sqft · 274 DOM
Sold · Mar ’26$1,550,000
2410 W MARION AVENUE · same community
3 bd · 3 ba · 2,504 sqft · $619/sqft · 67 DOM
Sold · Jul ’26$865,000
2260 PALM TREE DRIVE · same community
3 bd · 3 ba · 2,479 sqft · $349/sqft · 10 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 2194 BAYOU ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2194 BAYOU ROAD — 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
2194 BAYOU ROAD FAQs
What would the monthly payment be for 2194 BAYOU ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,293/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 2194 BAYOU ROAD?+
The most recent tax bill on record (2025) was $6,419. 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 2194 BAYOU ROAD?+
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 $970,000, this home is listed about 181% 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 2194 BAYOU ROAD?+
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
$970,000 runs 253% above the PUNTA GORDA 33950 median — but at 2,980 sqft it's also 73% 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
124 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HARBOR REALTY · Luke Andreae. MLS #C7523706.
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.
Never miss a listing
New Punta Gorda homes, in your inbox
Like 2194 BAYOU ROAD but not quite? A daily digest of every new listing in Punta Gorda — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →