
3651 ARUBA COURT, PUNTA GORDA, FL, 33950
Active38 days on marketListed Jun 29, 2026MLS #C7527780
About this home
3651 ARUBA COURT
Perfectly positioned on an 80-foot stretch of deep-water, sailboat-access canal with no bridges to Charlotte Harbor, this impressive 4-bedroom, 3-bath residence offers more than 3,000 square feet of living space in one of Punta Gorda Isles' premier boating locations. Just minutes from the harbor, you'll enjoy effortless access to world-class fishing, sailing, and the Gulf waters beyond. Designed with generous proportions and a timeless floor plan, the home features expansive living areas, spacious bedrooms, and an inviting layout ideal for entertaining or everyday living. One of the bedrooms is upstairs with its own ensuite and private balcony overlooking the heated pool and spa, with sweeping views of the picturesque perimeter canal leading directly to the harbor, all while protected by the 2-story lanai cage. Imagine total privacy for guests, hobby room, or an art studio! Outside, the screened lanai, heated pool, and spa create a private waterfront retreat where you'll enjoy the best of Florida's indoor-outdoor lifestyle. With 80 feet of seawall and deep-water sailboat access, and a 10,000lb boat lift, this property is perfectly suited for serious boaters. While the home is ready for a fresh vision and modern updates, its exceptional location, expansive floor plan, and premier waterfront setting create the perfect canvas for a spectacular custom renovation. Major improvements, including new plumbing, a newer A/C system, and a durable metal roof, provide a solid foundation for your transformation. Opportunities to own more than 3,000 square feet on sailboat-access water, just minutes from Charlotte Harbor, are becoming increasingly rare, making this an exceptional opportunity to create your dream waterfront retreat. Bring your imagination and transform this exceptional property into the waterfront masterpiece you've always envisioned.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,021
Sqft
0.22 ac
Lot size
2
Garage
1995
Year built
Two
Levels
$264
Per sqft
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.
$5,455 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,455/mo
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.
vs edgeAI estimate
−37.9%
$/sqft vs PUNTA GORDA ISLES SEC 12
$264 vs $332
Days on market
38 vs 60 typical
Where $264/sqft sits among the 14 homes for sale in PUNTA GORDA ISLES SEC 12
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$345K → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
10 of 14
PUNTA GORDA ISLES SEC 12 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 197% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 3651 ARUBA COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$945,000
2716 RYAN BOULEVARD · same community
4 bd · 4 ba · 3,066 sqft · $308/sqft · 22 DOM
Sold · Jun ’26$856,000
2144 CHARLOTTE AMALIE COURT · same community
4 bd · 3.5 ba · 2,872 sqft · $298/sqft · 167 DOM
Sold · Feb ’26$750,000
2856 DEBORAH DRIVE · same community
3 bd · 2.5 ba · 2,805 sqft · $267/sqft · 39 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 3651 ARUBA COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3651 ARUBA 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.
Straight answers
3651 ARUBA COURT FAQs
What would the monthly payment be for 3651 ARUBA COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,455/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 3651 ARUBA COURT?+
The most recent tax bill on record (2025) was $8,208. 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 3651 ARUBA 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 $799,000, this home is listed about 134% above the Punta Gorda median of $341,999. The market section on this page shows how the area is trending.
Which schools are assigned to 3651 ARUBA 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
Four things that matter here
01Positioned at the premium end
$799,000 runs 197% above the PUNTA GORDA 33950 median — but at 3,021 sqft it's also nearly twice the size of 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.
04The price has already moved
Listed at $849,000, now $799,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Norine Walker. MLS #C7527780.
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 3651 ARUBA COURT 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 →


