David Ramirez
$460,000$525,0002 bd1.5 ba1,146 sqft$401 /sqft$3,480 /mo all-in ↓

415 HARVEY STREET, PUNTA GORDA, FL, 33950

Active94 days on marketListed Apr 22, 2026MLS #C7524949

Reduced $65KPrivate poolSingle Family ResidencePUNTA GORDA

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

Private poolGarden & Pool & Trees/Woods viewNegotiablePets allowed

Inside

FlooringTerrazzo
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Tankless Water Heater · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Solid Surface Counters · Stone Counters · Thermostat · Window Treatments
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
ViewGarden · Pool · Trees/Woods
FacesEast
ParkingCovered · Off Street
ExteriorIrrigation System · Lighting · Private Yard · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2025)$4,902/yr
PetsYes
CommunityCommunity Boat Ramp · Fishing · Public Boat Ramp · Park · Playground

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fiber Optics · Fire Hydrant · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

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%

Principal & interest$2,708
FHA mortgage insurance (est.)$203
Property tax — 2025 actual bill$409
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,100Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,100
Interest rate6.00%
Loan term

Estimated payment

$3,480/mo

Principal & interest$2,708
FHA mortgage insurance (est.)$203
Property taxes (actual bill)$409
Est. insurance$160

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.

List $460K
$244KedgeAI estimate $317,793 · range $254K$476K$496K

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

3
4
6
3
2
4 · this home
$123–175$175–227$227–279$279–330$330–382$382+

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

Map of 415 HARVEY STREET

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

MiddlePunta Gorda Middle School★★★★★
HighCharlotte High School★★★★★
ElementaryEast Elementary 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)

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

CurrentPrice reduced to $460,000 $65K
Apr 22, 2026Listed at $525,000 · 94 days on market since
1959Built · PUNTA GORDA

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.

756 W MARION AVENUESold · Jun ’26

$149,000

756 W MARION AVENUE · same community

3 bd · 2 ba · 1,176 sqft · $127/sqft · 5 DOM

29177 ORVA DRIVESold · Jul ’26

$135,000

29177 ORVA DRIVE · same community

2 bd · 2 ba · 1,114 sqft · $121/sqft · 86 DOM

627 PALM AVENUESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 415 HARVEY STREET — start here.

Andrew Acosta

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.

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.

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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