4411 MELBOURNE STREET, PUNTA GORDA, FL, 33980
Active121 days on marketListed Mar 26, 2026MLS #C7523969
About this home
4411 MELBOURNE STREET
Opportunities like this are becoming increasingly difficult to find in Punta Gorda. Offering exceptional flexibility, major system improvements, no HOA restrictions, and a seller credit toward future customization, 4411 Melbourne Street presents outstanding value for buyers looking beyond the surface and recognizing long-term potential. This extensively updated 3-bedroom, 2-bath home was originally built in 1953 and has been thoughtfully improved while maintaining the durability of concrete interior and exterior construction. Recent major updates include a newer TPO roof (approximately three years old), a new wall-unit A/C installed in 2025, a new water heater installed in 2026, updated appliances, refreshed interior finishes, and numerous improvements that allow the next owner to move in with confidence. The flexible floor plan provides options to fit a variety of lifestyles, including space that could easily function as a home office, bonus room, or potential fourth bedroom depending on your needs. Outside, the oversized backyard offers room to entertain, garden, expand outdoor living, or create additional storage, making the property just as functional as it is inviting. One of this property's greatest advantages is its versatility. Whether you're searching for a primary residence, seasonal getaway, long-term rental, or investment property, the combination of no HOA, strong rental history, durable construction, and recent capital improvements creates an opportunity that's becoming increasingly rare in today's market. To provide even greater value, the seller is offering a $10,000 credit toward the installation of central air conditioning, allowing the next owner the flexibility to choose the system that best fits their needs while reducing upfront improvement costs. Prior four-point and wind mitigation inspection reports are available for additional peace of mind. Conveniently located just minutes from historic downtown Punta Gorda, Charlotte Harbor waterfront parks, shopping, dining, US-41, and I-75, this home combines location, flexibility, and long-term value in one well-rounded package. Whether you're looking to build equity, expand your investment portfolio, or simply purchase a home with room to grow, 4411 Melbourne Street offers an opportunity well worth exploring.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,330
Sqft
0.24 ac
Lot size
1953
Year built
One
Levels
$188
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.
$1,823 /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
$1,823/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
+15.2%
$/sqft vs Punta Gorda actives
$188 vs $208
Days on market
121 vs 59 typical
Where $188/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 Punta Gorda
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
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)
181 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 84% 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 4411 MELBOURNE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$220,000
23442 HARPER AVENUE · same community
4 bd · 2 ba · 1,804 sqft · $122/sqft · 17 DOM
Sold · Dec ’25$195,000
23465 HARBORVIEW ROAD UNIT 221
2 bd · 2 ba · 1,335 sqft · $146/sqft · 1 DOM
Sold · Oct ’25$206,900
23465 HARBORVIEW ROAD UNIT 731
2 bd · 2 ba · 1,335 sqft · $155/sqft · 32 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 4411 MELBOURNE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4411 MELBOURNE STREET — 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
4411 MELBOURNE STREET FAQs
What would the monthly payment be for 4411 MELBOURNE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,823/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 4411 MELBOURNE STREET?+
The most recent tax bill on record (2025) was $973. 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 4411 MELBOURNE STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $250,000, this home is listed about 28% below the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 4411 MELBOURNE STREET?+
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
Three things that matter here
01Positioned at the premium end
$250,000 runs 84% above the PUNTA GORDA 33980 median.
02Time on market is leverage
121 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,900, now $250,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HARBORSIDE REALTY · Daniel O'Connell. MLS #C7523969.
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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