David Ramirez
$599,000$625,0005 bd4.5 ba4,067 sqft$147 /sqft$4,616 /mo all-in ↓

24439 RIVERFRONT DRIVE, PUNTA GORDA, FL, 33980

Active118 days on marketListed Mar 26, 2026MLS #C7523733

Reduced $26KWaterfrontSingle Family ResidenceRIVER CLUB

About this home

24439 RIVERFRONT DRIVE

PRICE IMPROVEMENT!! There’s a certain ease to life in this MOVE-IN READY 5 bedroom, 4.5 bath home, where over 4,000 square feet in the gated River Club community blend elegance, comfort, and thoughtful design. From the moment you arrive along the paver driveway, the home signals that custom details matter. As you step inside, the foyer reveals a sweeping staircase that rises gracefully, flanked by arched openings, warm light fixtures, and an accented wood ceiling. The front room offers a quiet retreat for morning coffee, reading, or a home office. Across the hall, the dining room is ready for gatherings, with a chandelier casting a warm glow over dinners that linger past dessert. The heart of the home is the kitchen, where style and function meet effortlessly. Two-toned cabinetry frames a waterfall quartz island with soft-close cabinets and full quartz backsplash, accented by recessed LED lights and pendant lighting. Abundant cabinetry, a walk-in pantry, ship-lap bar, and stainless steel appliances, including a new LG WiFi refrigerator with craft ice maker, LG Range/Oven range, microwave, dishwasher, and wine cooler, make every meal an occasion. The island anchors the space, creating a natural gathering spot as the kitchen flows seamlessly into the family room. A first-floor guest bedroom with ensuite bath provides privacy, while the laundry room with LG WiFi washer and dryer and utility sink keeps daily tasks effortless. The powder room has been thoughtfully updated. Upstairs, a loft-style sitting area offers a quiet pause before retreating to the bedrooms. Arched hallways keep the spaces open, while luxury carpet adds warmth. Each secondary bedroom includes walk-in closets, and two have en-suite baths. All bathrooms have been updated with granite countertops, Moen faucets, and Kohler toilets. The primary suite is a sanctuary, featuring LED recessed lighting, floating shelves, custom white cabinetry with granite countertops, and a wine cooler. The spa-like bathroom includes a jetted tub, frameless glass shower, dual vanities with granite tops, and luxury vinyl plank flooring. Outside, the screened porch frames lake views for relaxing mornings or serene evenings while mature landscaping provides privacy. Additional updates include epoxy floors in the three-car garage with new doors and openers, hurricane shutters, interior and exterior paint, updated hardware, replaced outlets and switches, window treatment hardware throughout, ADT security system with two control panels, LG ThinQ Smart Home, Hunter Apex ceiling fans, and two new 20 SEER air conditioning units with whole-home purification. Within the gated River Club community, residents enjoy a pool, clubhouse, fitness center, and playground in a quiet, well-maintained setting. Convenient to downtown Punta Gorda, I-75, US 41, Punta Gorda Airport, and Gulf beaches, this home balances retreat and connectivity. For those seeking luxury homes in Punta Gorda, Florida or gated community living, this residence offers a rare and refined lifestyle ready to be lived.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

4,067

Sqft

0.19 ac

Lot size

3

Garage

2007

Year built

Two

Levels

$147

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · PrimaryBedroom Upstairs · Solid Surface Counters · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingElectric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSoutheast
ParkingDriveway · Garage Door Opener · Oversized
ExteriorIrrigation System · Lighting · Rain Gutters

Community & fees

HOA fee$398/mo
Taxes (2025)$7,209/yr
PetsCats OK, Dogs OK, Number Limit, Yes
CommunityLake · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Deed Restrictions · Gated Community - No Guard · Golf Carts OK · Irrigation-Reclaimed Water · Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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.

$4,616 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,232
PMI (est., until 20% equity)$225
Property tax — 2025 actual bill$601
HOA fee — from the listing$398
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $59,900Loan30-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% · $59,900
Interest rate6.00%
Loan term

Estimated payment

$4,616/mo

Principal & interest$3,232
PMI (est., until 20% equity)$225
Property taxes (actual bill)$601
HOA / condo fee$398
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.

Where it sits

Inside Punta Gorda

Map of 24439 RIVERFRONT DRIVE

Get to know Punta Gorda. See the full Punta Gorda guide →

PUNTA GORDA 33980 — neighborhood snapshot

Population

13,235

Median age

63.4

Median income

$61,871

Median home value

$221,200

Avg household

2.09

Households w/ children

956

For the school run

Charlotte County School District

ElementaryKingsway Elementary School★★★★★
MiddlePort Charlotte Middle School★★★★★
HighCharlotte High 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)

Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 344% above the PUNTA GORDA 33980 median. See the full Punta Gorda market guide →

Paper trail

This home's history

CurrentPrice reduced to $599,000 $26K
Mar 26, 2026Listed at $625,000 · 118 days on market since
2007Built · RIVER CLUB

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 24439 RIVERFRONT 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 24439 RIVERFRONT 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

24439 RIVERFRONT DRIVE FAQs

What would the monthly payment be for 24439 RIVERFRONT DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,616/mo — principal and interest, the actual property-tax bill, the $398/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 24439 RIVERFRONT DRIVE?+

The association fee works out to $398 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 24439 RIVERFRONT DRIVE?+

The most recent tax bill on record (2025) was $7,209. 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 24439 RIVERFRONT DRIVE?+

The listing reports pets: Cats OK, Dogs OK, Number 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 $599,000, this home is listed about 74% 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 24439 RIVERFRONT DRIVE?+

Kingsway Elementary School (elementary), Port Charlotte 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

$599,000 runs 344% above the PUNTA GORDA 33980 median — but at 4,067 sqft it's also nearly twice the size of 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

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

04The price has already moved

Listed at $625,000, now $599,000 — a $26K cut. The full history is in the market section below.

Listing courtesy of RE/MAX HARBOR REALTY · Bobbi Bevis. MLS #C7523733.

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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