4114 PALM DRIVE, PUNTA GORDA, FL, 33950
Active96 days on marketListed Apr 20, 2026MLS #C7525135
About this home
4114 PALM DRIVE
IMPRESSIVE PRICE FOR NAVIGABLE, SAILBOAT ACCESS WATER and NO BRIDGES! This property is situated on the Kostek Canal that brings you directly to Alligator Creek with direct access to Charlotte Harbor. Approximately 2.5 miles to Harbor. Deep water for heavy craft and Sailboats! The property has been mulched. Not located in Punta Gorda City Limits therefore no deed restrictions, no HOA and no CDD fees but you get all the amenities of water front living in Punta Gorda! READY TO BUILD YOUR DREAM HOME - prime residential lot build your dream home on this Sail Boat Property! Nestled in the picturesque community of Punta Gorda, this spacious lot offers the perfect opportunity to design and build the home of your dreams. Located in a serene neighborhood with close proximity to all the amenities Southwest Florida has to explore this property is ideal for those seeking a peaceful yet convenient lifestyle. Rich waterfront recreational area from this location it is only a 10 minute ride to Charlotte Harbor, less than an hour to Boca Grande Pass and the Gulf of Mexico. Less than 3.5 miles to I-75 and only 4 miles to Punta Gorda Airport making this location an easy commute to almost anywhere, and only 4.5 miles to Ponce DeLeon Park with amazing sunsets, 10 miles to Port Charlotte Town Center and only 5 miles to Punta Gorda Historic district and waterfront park with historic downtown Punta Gorda, featuring charming shops, dining options, and vibrant entertainment. Tampa Bay Rays spring training and the fairgrounds are just minutes away, also multiple golf courses and some of the best boating and fishing in all of Florida. Red Soxs, Orioles, Twins and Braves spring training all within an hour’s drive. Conveniently located near major highways, making it easy to travel to nearby beaches, golf courses, and other attractions. This lot provides the ideal blank canvas to bring your vision to life in one of Florida's most sought-after areas. Whether you're planning your forever home or a vacation retreat, investment ~ a great price point with minimal holding costs ~ this property is a must-see. Don't miss this incredible opportunity—schedule your showing today!
Facts & features
The home at a glance
0.25 ac
Lot size
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.
$1,272 /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
$1,272/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.
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)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% below the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 4114 PALM DRIVE
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$450,000
4226 PALM DRIVE · same community
3 bd · 2 ba · 1,566 sqft · $287/sqft · 4 DOM
Sold · May ’26$468,000
4210 PALM DRIVE · same community
3 bd · 3 ba · 1,798 sqft · $260/sqft · 316 DOM
Sold · Apr ’26$565,000
343 PORTOFINO DRIVE
3 bd · 2 ba · 1,537 sqft · $368/sqft · 38 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 4114 PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4114 PALM 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.
Straight answers
4114 PALM DRIVE FAQs
What would the monthly payment be for 4114 PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,272/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 4114 PALM DRIVE?+
The most recent tax bill on record (2025) was $1,950. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Punta Gorda?+
At $150,000, this home is listed about 57% 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 4114 PALM DRIVE?+
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
01Under the PUNTA GORDA 33950 market on paper
$150,000 is 45% below the PUNTA GORDA 33950 median of $271,985.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $165,000, now $150,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Missy McAmis. MLS #C7525135.
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 4114 PALM DRIVE 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 →