David Ramirez
$425,0003 bd2 ba2,022 sqft$210 /sqft$3,206 /mo all-in ↓

197 TROPICANA DRIVE UNIT 1511, PUNTA GORDA, FL, 33950

Active61 days on marketListed Jun 9, 2026MLS #C7527088

WaterfrontCondominiumTARPON COVE PH 15

About this home

197 TROPICANA DRIVE UNIT 1511

MOVE-IN READY, 1ST FLOOR TARPON COVE CONDO W/2-CAR GARAGE & POND VIEW - This 3 bed/2 bath, end-unit Cayo Costa model at Tarpon Cove delivers 2,022 sq ft of living space on the ground floor, complete with a private 2-car garage, pond views, and a long list of improvements that make this one of the most move-in ready units in the community. The western rear exposure means colorful sunsets over the water every evening. Tarpon Cove is a well-maintained condominium complex in the heart of Punta Gorda Isles. The community features lush tropical landscaping, brick paver driveways, a heated pool and in-ground spa, a clubhouse with fitness equipment, and new barrel tile roofs installed in 2023. Inside, the designer's touch is evident throughout. Ten-foot ceilings, 5-inch crown molding, 5-inch baseboards, and fluted 8-foot door frames set a polished architectural foundation. New lighting fixtures and ceiling fans, fresh interior paint, high-end carpet in the bedrooms, and plantation shutters on every window layer in the updates that make this unit feel genuinely move-in ready. Wood-look flooring runs through the main living areas. The great room opens through 8-foot sliding glass doors to the 17x10 enclosed Florida room, which functions as a natural extension of the living space. Hurricane-rated glass panels provide full protection while roll-down privacy shades give you control over light and sightlines. The view from here, a landscaped pond with a water feature framed by mature palms and other tropical plantings, is the kind that catches your eye even after you've seen it a thousand times. The formal dining area is defined by a tray ceiling and a statement pendant light. The kitchen offers granite counters, white cabinetry, newer appliances, and recessed lighting with woven pendant fixtures adding warmth overhead. There's ample cabinet and counter space. The master suite is a true owner's retreat, with a custom California-style walk-in closet featuring drawers, cabinets, hanging storage, and shoe storage built in. The en-suite bath has dual sinks on a granite vanity, a soaking tub, and a glass block walk-in shower. The third bedroom, accessed through French doors, works equally well as a home office or guest room and is currently set up as a bedroom. The split bedroom layout provides privacy throughout. Storage is a genuine strength here. A dedicated interior room off the foyer functions as a craft space/storage room, outfitted with custom upper and lower cabinetry and a marble-look countertop. The separate 8x9 laundry room has floor-to-ceiling custom cabinetry on two walls plus a walk-in storage closet. You will not run out of places to put things. Additional updates include all new hurricane-rated impact windows (2018), new A/C system (2023), new hot water heater (2025), newer appliances (2018), washer and dryer (2019), and updated bathroom plumbing fixtures and lighting. Furniture is negotiable. Punta Gorda is known for its boating lifestyle, but the art scene, weekend festivals, waterfront dining, and walkable downtown make it one of the most livable small cities in Florida. Make an appointment today and discover your place in paradise.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,022

Sqft

0.06 ac

Lot size

2

Garage

2004

Year built

One

Levels

$210

Per sqft

WaterfrontWater viewNegotiablePets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Open Floorplan · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewWater
FacesNortheast
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Lighting · Private Entrance · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$4,269/yr
PetsCats OK, Dogs OK, Number Limit, Yes
CommunityCanal Front · Fishing · Water Access · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Pool · Sidewalks

Utilities & systems

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

$3,206 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property tax — 2025 actual bill$356
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,875Loan30-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% · $14,875
Interest rate6.00%
Loan term

Estimated payment

$3,206/mo

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property taxes (actual bill)$356
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 $425K
$398KedgeAI estimate $434,769 · range $415K$484K$504K

vs edgeAI estimate

−2.2%

$/sqft vs Punta Gorda actives

$210 vs $207

Days on market

61 vs 62 typical

Where $210/sqft sits among the 400 Punta Gorda actives

114
127 · this home
61
51
18
29
$120–173$173–226$226–279$279–332$332–385$385+

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 197 TROPICANA DRIVE UNIT 1511

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$330K

Punta Gorda median sold, yr/yr

95.1%

Sale-to-list ratio (12 mo)

196 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 59% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →

Paper trail

This home's history

Jun 9, 2026Listed at $425,000 · 61 days on market since
2004Built · TARPON COVE PH 15

Reality check

What actually sold near 197 TROPICANA DRIVE UNIT 1511

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

2611 RYAN BOULEVARDSold · Jun ’26

$730,000

2611 RYAN BOULEVARD

3 bd · 2.5 ba · 2,033 sqft · $359/sqft · 149 DOM

1620 ALBATROSS DRIVESold · Jun ’26

$725,000

1620 ALBATROSS DRIVE

3 bd · 2 ba · 2,033 sqft · $357/sqft · 11 DOM

1359 PINE SISKIN DRSold · Jul ’26

$749,000

1359 PINE SISKIN DR

3 bd · 2 ba · 2,008 sqft · $373/sqft · 131 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 197 TROPICANA DRIVE UNIT 1511 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 197 TROPICANA DRIVE UNIT 1511 — 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

197 TROPICANA DRIVE UNIT 1511 FAQs

What would the monthly payment be for 197 TROPICANA DRIVE UNIT 1511?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,206/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 197 TROPICANA DRIVE UNIT 1511?+

The most recent tax bill on record (2025) was $4,269. 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 197 TROPICANA DRIVE UNIT 1511?+

The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $425,000, this home is listed about 25% above the Punta Gorda median of $339,950. The market section on this page shows how the area is trending.

Which schools are assigned to 197 TROPICANA DRIVE UNIT 1511?+

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

$425,000 runs 59% above the PUNTA GORDA 33950 median — but at 2,022 sqft it's also 20% 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 RE/MAX HARBOR REALTY · Luke Andreae. MLS #C7527088.

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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