David Ramirez
$1,500,0003 bd3.5 ba2,530 sqft$593 /sqft$10,273 /mo all-in ↓

1323 PENGUIN COURT, PUNTA GORDA, FL, 33950

Active70 days on marketListed May 26, 2026MLS #C7526413

WaterfrontPrivate poolSingle Family ResidencePUNTA GORDA ISLES SEC 14

About this home

1323 PENGUIN COURT

Built in 2022, this exceptional Harbor-built waterfront pool home is ideally positioned on a coveted corner lot in the highly sought-after “Bird Section” of Punta Gorda Isles. Thoughtfully elevated for added peace of mind and enhanced curb appeal, the residence offers 3 bedrooms plus a den, 3.5 baths, and 2,530 square feet of beautifully designed living space. A wide brick-paver circular driveway, expansive 675-square-foot three-car garage, and elegant double glass front doors create a striking first impression. The home’s refined coastal façade is complemented by lush tropical landscaping, swaying palms, stately columns, clean architectural lines, and a dramatic central entry tower. Impact windows & doors throughout. Boating enthusiasts will appreciate 40 feet of city-maintained concrete seawall and a private dock, with a scenic 10–15-minute ride through sailboat-access canals leading to the open waters of Charlotte Harbor and the Gulf—without fixed bridges. Inside, modern luxury meets thoughtful design. Soaring coffered ceilings adorned with 7¼-inch crown molding, stunning 24-inch porcelain tile flooring, and a spacious open-concept layout create a seamless blend of elegance and comfort. Natural light floods the interior, effortlessly connecting the great room, dining area, and kitchen—perfect for both everyday living and entertaining. Expansive 9’8” retractable sliders open to the lanai and resort-style pool area, creating a true indoor-outdoor living experience. The designer kitchen is both stylish and functional, featuring sleek white shaker cabinetry accented by brushed gold hardware, expansive quartz countertops, and high-end GE Profile stainless steel appliances—including a built-in double oven, French door refrigerator, and professional-style range hood. A statement island with contrasting cabinetry provides additional seating, storage, and a spacious undermount sink. A large walk-in pantry offers abundant storage and organization. Pendant lighting and subtle under-cabinet illumination enhance the warm, inviting atmosphere, while large windows and sliding glass doors frame serene water views. Designed for comfort and privacy, all three bedrooms feature en-suite baths. The owner’s suite serves as a private retreat, showcasing a tray ceiling and sliding glass doors that open directly to the pool. Double doors lead to a spa-inspired bath centered around a freestanding soaking tub, complemented by dual vanities, a frameless glass Roman shower with dual shower heads—including a rain shower—and a private water closet. Spacious walk-in closets offer exceptional storage. Step outside to your private oasis, where a generously sized covered lanai with ceiling fans ensures year-round enjoyment. The brick-paver lanai and pool deck include an outdoor kitchen, perfect for entertaining. Beyond, a heated PebbleTec pool and spa take center stage, enhanced by a tranquil waterfall and relaxing sun shelf. A large panoramic screened enclosure provides unobstructed views and a seamless connection to the waterfront setting. Additional highlights include a versatile den with a half bath, a well-appointed laundry room with an adjoining mudroom area, and numerous upscale features throughout—truly offering the best of Florida waterfront living. **PLEASE ENJOY THE 3D INTERACTIVE VIRTUAL TOUR ASSOCIATED WITH THIS LISTING**

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,530

Sqft

0.38 ac

Lot size

3

Garage

2022

Year built

One

Levels

$593

Per sqft

Private poolWaterfrontPool & Water viewPets allowed

Inside

FlooringPorcelain Tile
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Coffered Ceiling(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesNorth
ParkingCircular Driveway · Driveway · Garage Door Opener · Ground Level · Off Street · Oversized
ExteriorIrrigation System · Lighting · Outdoor Kitchen · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$17,477/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Public · Sewer Available · Sewer Connected · Water Available · 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.

$10,273 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,094
PMI (est., until 20% equity)$563
Property tax — 2025 actual bill$1,456
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $150,000Loan30-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% · $150,000
Interest rate6.00%
Loan term

Estimated payment

$10,273/mo

Principal & interest$8,094
PMI (est., until 20% equity)$563
Property taxes (actual bill)$1,456
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.

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 $1.5M
$1.1MedgeAI estimate $1,316,098 · range $1.1M$1.6M$1.7M

vs edgeAI estimate

+14%

$/sqft vs PUNTA GORDA ISLES SEC 14

$593 vs $392

Days on market

70 vs 60 typical

Where $593/sqft sits among the 22 homes for sale in PUNTA GORDA ISLES SEC 14

6
2
6
1
5
2 · this home
$266–320$320–375$375–429$429–484$484–538$538+

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 Isles

Map of 1323 PENGUIN COURT

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

Punta Gorda Isles — neighborhood snapshot

Population

10,031

Median age

68

Median income

$97,109

Median home value

$574,467

Avg household

2

Households w/ children

287

For the school run

Charlotte County School District

ElementarySallie Jones Elementary School★★★★
HighCharlotte High School★★★★★
MiddlePunta Gorda Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Punta Gorda market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$345K$345K

Punta Gorda median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

10 of 22

PUNTA GORDA ISLES SEC 14 have cut their price

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

This home is listed 457% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

May 26, 2026Listed at $1,500,000 · 70 days on market since
2022Built · PUNTA GORDA ISLES SEC 14

Reality check

What actually sold near 1323 PENGUIN COURT

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1230 ROYAL TERN DRIVESold · Oct ’25

$1,340,000

1230 ROYAL TERN DRIVE · same community

3 bd · 3 ba · 2,422 sqft · $553/sqft · 181 DOM

1355 REDBIRD COURTSold · Jun ’26

$900,000

1355 REDBIRD COURT · same community

3 bd · 2 ba · 2,373 sqft · $379/sqft · 26 DOM

1321 SEA HORSE COURTSold · May ’26

$1,375,000

1321 SEA HORSE COURT · same community

3 bd · 3 ba · 2,372 sqft · $580/sqft · 7 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 1323 PENGUIN COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1323 PENGUIN COURT — 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.

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Straight answers

1323 PENGUIN COURT FAQs

What would the monthly payment be for 1323 PENGUIN COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,273/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 1323 PENGUIN COURT?+

The most recent tax bill on record (2025) was $17,477. 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 1323 PENGUIN COURT?+

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 $1,500,000, this home is listed about 335% above the Punta Gorda median of $344,900. The market section on this page shows how the area is trending.

Which schools are assigned to 1323 PENGUIN COURT?+

Sallie Jones Elementary School (elementary), Charlotte High School (high), Punta Gorda Middle School (middle) — 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

$1,500,000 runs 457% above the PUNTA GORDA 33950 median — but at 2,530 sqft it's also 50% larger than 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.

03Strong assigned schools

Sallie Jones Elementary School, Charlotte High School, Punta Gorda Middle School — Sallie Jones Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of MARINA PARK REALTY LLC · Nate Royal. MLS #C7526413.

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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1323 PENGUIN COURT, PUNTA GORDA, FL — 3 Bed, 3.5 Bath — $1,500,000 | CENTURY 21 Edge