David Ramirez
$995,0003 bd3 ba3,133 sqft$318 /sqft$6,319 /mo all-in ↓

4460 NORTHSHORE DRIVE, PUNTA GORDA, FL, 33980

Active33 days on marketListed Jun 24, 2026MLS #C7527143

WaterfrontPrivate poolSingle Family ResidenceCHARLOTTE SHORES UN 01

About this home

4460 NORTHSHORE DRIVE

Virtually Staged. Experience exceptional waterfront living in this stunning Peace River Estate, offering 100 feet of direct waterfront frontage, breathtaking panoramic views of the Peace River and Charlotte Harbor, and a brand-new dock with electric and water service. Situated on nearly half an acre in the desirable Charlotte Shores community, this two-story residence combines luxury, comfort, and an unparalleled coastal lifestyle. Boasting over 3,000 square feet of living space, this meticulously maintained home features 3 bedrooms, 3 bathrooms, a 2-car garage, formal living and dining rooms, and a spacious family room designed to maximize the spectacular water views. Large windows and sliding glass doors throughout fill the home with natural light while showcasing the ever-changing waterfront scenery. The gourmet kitchen is a chef's dream, offering granite countertops, solid wood cabinetry, stainless steel appliances, a built-in oven, gas range with indoor grill, tile backsplash, center island with storage, breakfast bar, closet pantry, and a wet bar complete with a wine refrigerator—perfect for entertaining family and friends. Privately located on the second floor, the expansive primary suite encompasses over 500 square feet and serves as a true retreat. Enjoy stunning water views, dual walk-in closets, and a luxurious ensuite bath featuring dual vanities, a makeup station, bidet, private water closet, and an oversized walk-in shower with built-in seating. Two generously sized guest suites on the main floor each feature their own private bathrooms, ensuring comfort and privacy for visitors. Designed for year-round enjoyment, the outdoor living spaces are equally impressive. Relax on the screened lanai, take a swim in the heated saltwater pool, or unwind in the charming, screened poolside cabana. The fully fenced backyard provides privacy while offering endless opportunities to enjoy the Florida sunshine, launch a kayak or a boat, fish from your private dock, or simply take in the tranquil waterfront setting. Additional features include a 2022 metal roof, 2024 dock, whole-house water filtration system, 23KW whole-house generator with propane tanks, two gas fireplaces, 3-zone air conditioning, pool auto-fill and cover system, separate water meter for irrigation, dock and pool use, vinyl fencing, elegant tile and parquet flooring, and an irrigation system for easy maintenance. Ideally located just minutes from downtown Punta Gorda, Fishermen's Village, waterfront parks, walking and biking trails, shopping, dining, entertainment, and easy access to US-41 and I-75, this rare waterfront offering delivers the ultimate Southwest Florida lifestyle. Welcome home to your private coastal sanctuary.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

3,133

Sqft

0.45 ac

Lot size

2

Garage

1994

Year built

Two

Levels

$318

Per sqft

Private poolWaterfrontFireplaceWater view

Inside

FlooringCarpet · Parquet · Tile
AppliancesConvection Oven · Dishwasher · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · PrimaryBedroom Upstairs · Solid Wood Cabinets · Walk-In Closet(s) · Wet Bar
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · Vinyl Siding · Wood Frame
FoundationCrawlspace
ViewWater
FacesNorthwest
ParkingGarage Door Opener · Ground Level
ExteriorIrrigation System · Lighting · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

Taxes (2024)$5,008/yr

Utilities & systems

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

$6,319 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,369
PMI (est., until 20% equity)$373
Property tax — 2024 actual bill$417
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $99,500Loan30-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% · $99,500
Interest rate6.00%
Loan term

Estimated payment

$6,319/mo

Principal & interest$5,369
PMI (est., until 20% equity)$373
Property taxes (actual bill)$417
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 $995K
$955KedgeAI estimate $1,386,649 · range $1.3M$1.6M$1.7M

vs edgeAI estimate

−28.2%

$/sqft vs Punta Gorda actives

$318 vs $207

Days on market

33 vs 59 typical

Where $318/sqft sits among the 400 Punta Gorda actives

92
121
81
52
21 · this home
33
$114–163$163–213$213–262$262–311$311–361$361+

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 4460 NORTHSHORE DRIVE

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

PUNTA GORDA 33980 — neighborhood snapshot

Population

13,235

Median age

63.4

Median income

$61,871

Median home value

$221,200

Avg household

2.09

Households w/ children

956

For the school run

Charlotte County School District

ElementaryKingsway Elementary School★★★★★
MiddlePort Charlotte Middle School★★★★★
HighCharlotte High 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)

179 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 637% above the PUNTA GORDA 33980 median. See the full Punta Gorda market guide →

Paper trail

This home's history

Jun 24, 2026Listed at $995,000 · 33 days on market since
1994Built · CHARLOTTE SHORES UN 01

Reality check

What actually sold near 4460 NORTHSHORE DRIVE

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

23442 HARPER AVENUESold · Sep ’25

$220,000

23442 HARPER AVENUE · same community

4 bd · 2 ba · 1,804 sqft · $122/sqft · 17 DOM

22498 WESTCHESTER BOULEVARDSold · Nov ’25

$282,000

22498 WESTCHESTER BOULEVARD

3 bd · 2 ba · 1,970 sqft · $143/sqft · 135 DOM

22402 WESTCHESTER BOULEVARDSold · Jan ’26

$320,000

22402 WESTCHESTER BOULEVARD

3 bd · 2 ba · 1,942 sqft · $165/sqft · 90 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 4460 NORTHSHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4460 NORTHSHORE 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.

Goes straight to David’s phone and CRM.

Straight answers

4460 NORTHSHORE DRIVE FAQs

What would the monthly payment be for 4460 NORTHSHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,319/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 4460 NORTHSHORE DRIVE?+

The most recent tax bill on record (2024) was $5,008. 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 $995,000, this home is listed about 189% 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 4460 NORTHSHORE DRIVE?+

Kingsway Elementary School (elementary), Port Charlotte Middle School (middle), Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of RE/MAX HARBOR REALTY · Terry Morrison. MLS #C7527143.

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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