23465 HARBORVIEW ROAD UNIT 631, PUNTA GORDA, FL, 33980
Active26 days on marketListed Jul 7, 2026MLS #C7527915
About this home
23465 HARBORVIEW ROAD UNIT 631
Perfectly positioned end unit overlooking the lake, this condominium offers peaceful water views, exceptional privacy with no unit above, and an abundance of natural light. From the moment you step inside, your eyes are drawn through the open living and dining areas to the screened lanai, where tranquil lake views, a sparkling fountain, and colorful sunset skies create the perfect setting to unwind at the end of the day. Designed for comfortable everyday living, the open floor plan features a spacious living and dining area connected to the updated kitchen by a convenient pass-through window over additional cabinets for storage, creating an inviting space for entertaining or enjoying quiet evenings at home. The kitchen has been refreshed with updated countertops and backsplash, while recent improvements throughout the home include new carpet, fresh interior paint, baseboards, and storm shutters in 2023. Additional upgrades provide peace of mind, including a new A/C system and electrical panel in 2022, a water heater in 2021, and a new community roof. The primary suite offers a walk-in closet, and a private en-suite bath. A full-size washer and dryer are conveniently tucked into the interior laundry closet hallway, making everyday living effortless. Existing Furniture/furnishings convey with purchase. Located within the gated waterfront community of Rolls Landing, residents enjoy direct access to Charlotte Harbor and the Gulf of America along with an exceptional collection of resort-style amenities. Spend your days fishing from the newly rebuilt 300-foot pier, launching your kayak, taking advantage of first-come, first-served boat slips, or relaxing beneath the waterfront tiki hut while watching spectacular Florida sunsets and abundant wildlife. Additional amenities include a heated pool and spa, fitness center, tennis and pickleball courts, shuffleboard, bocce ball, clubhouse, library, walking and biking trails, community garden, fire pit, gas grills, boat and vehicle wash station, dry boat storage, and 24-hour guarded entry. Just minutes from historic downtown Punta Gorda, waterfront dining, boutique shopping, farmers markets, golf courses, Gulf beaches, Interstate 75, and Punta Gorda Airport, this exceptional residence offers the perfect blend of comfort, convenience, waterfront recreation, and effortless Southwest Florida living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,447
Sqft
1985
Year built
One
Levels
$116
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 and the real association fee — not generic estimates.
$2,618 /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
$2,618/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.
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
+2.1%
$/sqft vs Punta Gorda actives
$116 vs $206
Days on market
26 vs 59 typical
Where $116/sqft sits among the 400 Punta Gorda actives
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
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
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)
178 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 22% above the PUNTA GORDA 33980 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 23465 HARBORVIEW ROAD UNIT 631
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$140,000
23465 HARBORVIEW ROAD UNIT 826
2 bd · 2 ba · 1,447 sqft · $97/sqft · 165 DOM
Sold · Sep ’25$80,000
23465 HARBORVIEW ROAD UNIT 826
2 bd · 2 ba · 1,447 sqft · $55/sqft · 112 DOM
Sold · Dec ’25$125,000
23022 BAYSHORE ROAD
2 bd · 1 ba · 1,392 sqft · $90/sqft · 84 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 23465 HARBORVIEW ROAD UNIT 631 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23465 HARBORVIEW ROAD UNIT 631 — 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
23465 HARBORVIEW ROAD UNIT 631 FAQs
What would the monthly payment be for 23465 HARBORVIEW ROAD UNIT 631?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,618/mo — principal and interest, the actual property-tax bill, the $1,177/mo association fee 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.
How much are the HOA fees at 23465 HARBORVIEW ROAD UNIT 631?+
The association fee works out to $1,177 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 23465 HARBORVIEW ROAD UNIT 631?+
The most recent tax bill on record (2025) was $2,623. 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 23465 HARBORVIEW ROAD UNIT 631?+
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 $167,900, this home is listed about 51% 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 23465 HARBORVIEW ROAD UNIT 631?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$167,900 runs 22% above the PUNTA GORDA 33980 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,177/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HARBOR REALTY · Milan Fiser. MLS #C7527915.
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 23465 HARBORVIEW ROAD UNIT 631 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 →