
415 HARVEY STREET, PUNTA GORDA, FL, 33950
Active94 days on marketListed Apr 22, 2026MLS #C7524949
About this home
415 HARVEY STREET
REDUCED TO SELL! This gorgeous, sun-drenched mid-century modern home sits in the heart of Punta Gorda’s Historic District. From the moment you arrive, the charming bungalow draws you in with its clean mid-century lines, a perfectly chosen gray palette, touches of tropical flair, and beautifully curated landscaping full of texture and vibrant blooms. Lush palms and tropical plantings surround the property, creating a colorful, almost painterly setting. There’s truly nothing to do but relax—imagine pouring a cool drink, grabbing a book, and unwinding beside (or in) the free-form pool filled with sparkling blue water. The backyard is just as impressive as the front, offering a private, sensory-rich tropical retreat. Along the west side, a row of mature 20-foot Areca palms sways gently, adding both beauty and seclusion. The space is enclosed by an ornamental metal fence lined with podocarpus and draped in bougainvillea, enhancing the resort-like feel. A large stone paver patio provides plenty of room for dining and enjoying the pool and garden. A new storage shed offers practical space for tools while also increasing privacy around the pool and entertaining area. A conveniently located half bath is easily accessible from outdoors—perfect for poolside lounging or gardening. The yard even attracts local wildlife like mockingbirds, cardinals, and butterflies, while the distant sound of church bells adds a nostalgic charm. When you want shade or shelter, retreat to the inviting screened porch, highlighted by a one-of-a-kind salt-washed turquoise wood plank ceiling. It’s an ideal spot for morning coffee or evening cocktails. Inside, the home continues to impress. The original terrazzo floors have been beautifully restored and polished, making a striking statement. The layout maximizes space efficiently, and the updated U-shaped kitchen features shaker cabinets, new granite countertops, and all new appliances. The dining area comfortably seats six and opens to the porch through sliding glass doors, while the spacious living room sits at the front of the home. Two generously sized bedrooms are located on the south side, each large enough for king beds. Quiet MinkaAire ceiling fans provide added comfort. The full bathroom has been fully updated with dual sinks and gorgeous decor Throughout the home, soft Gossamer Veil gray walls are complemented by crisp white trim, modern white doors with brushed nickel hardware, and plantation shutters. Major upgrades include hurricane impact windows and doors, metal roof, updated insulation, electrical wiring and panel with a whole home generator outlet, tankless water heater, and PEX plumbing. The carport also features a tongue-and-groove plank ceiling for added character. And the location couldn’t be better. With a high walkability score, you’re just minutes from restaurants, farmers markets, Fishermen’s Village, local shops, the ice cream parlor, Gilchrist Park, the library, and Harbor Walk. Life in this charming coastal town offers endless activities. Don’t wait—homes like this thoughtfully updated mid-century gem don’t stay on the market long. Furnishings will be removed or may be purchased separately. Furnishings are for sale and negotiable.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,146
Sqft
0.14 ac
Lot size
1959
Year built
One
Levels
$401
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.
$3,480 /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
$3,480/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
+44.7%
$/sqft vs PUNTA GORDA
$401 vs $267
Days on market
94 vs 59 typical
Where $401/sqft sits among the 22 homes for sale in PUNTA GORDA
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)
11 of 22
PUNTA GORDA have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 69% 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 415 HARVEY STREET
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$149,000
756 W MARION AVENUE · same community
3 bd · 2 ba · 1,176 sqft · $127/sqft · 5 DOM
Sold · Jul ’26$135,000
29177 ORVA DRIVE · same community
2 bd · 2 ba · 1,114 sqft · $121/sqft · 86 DOM
Sold · Apr ’26$200,000
627 PALM AVENUE · same community
2 bd · 2 ba · 1,102 sqft · $181/sqft · 422 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 415 HARVEY STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 415 HARVEY 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
415 HARVEY STREET FAQs
What would the monthly payment be for 415 HARVEY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,480/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 415 HARVEY STREET?+
The most recent tax bill on record (2025) was $4,902. 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 415 HARVEY STREET?+
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 $460,000, this home is listed about 33% 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 415 HARVEY STREET?+
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
$460,000 runs 69% above the PUNTA GORDA 33950 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $525,000, now $460,000 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Robbi Olson. MLS #C7524949.
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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