3520 ORIOLE DRIVE, PUNTA GORDA, FL, 33950
Active7 days on marketListed Jul 16, 2026MLS #C7528266
Come see it
Upcoming open house
Sat, Jul 25
12:00 PM – 2:00 PM
About this home
3520 ORIOLE DRIVE
Punta Gorda Isles! Exquisite 3 bedroom + office/den, 3 bath, 3-car garage waterfront pool home with Sailboat access to Charlotte Harbor and the Gulf! This magnificent home has rich architectural details including high & double tray ceilings, crown molding, and contemporary lighting. The living room features a zero-corner slider to the lanai seamlessly blending indoor and outdoor living spaces. Adjacent to the living room, you'll find an office space that offers endless versatility, perfect for working from home, a private retreat, or even a library. Gourmet kitchen features Kitchen Aid appliances, two-toned wood cabinetry with under-cabinet lighting, beautifully complemented by a tile backsplash and quartz countertops. A gas cooktop, pot filler, farmhouse sink, and closet pantry enhance its functionality. The dining area is highlighted by a large sliding glass door that showcases serene water views, while the oversized island offers abundant seating and serves as the heart of the home for everyday living and entertaining. Generous primary suite offers direct access to the lanai/pool area and an ensuite bath with dual vanities featuring comfort-height counters, a beautiful frameless shower, and a private water closet. The ensuite also includes the flexibility to add a tub in the future, as a dedicated hookup and drain are already available. A spacious custom walk-in closet rounds out the suite, providing plenty of organized storage. Split floor plan is designed for optimal privacy, featuring two additional guest bedrooms, each with their own ensuite bath. One of the guest baths conveniently doubles as a pool bath, adding to the home's functionality and appeal. Step outside to your private oasis featuring a covered lanai, amazing outdoor gas grill area that is hardwired on propane and a privacy screened heated saltwater pool perfect for entertaining guests. Beyond the lanai, a path leads to your private dock, fully equipped with a 7,500 lb boat lift complete with water and electric. Additional features include pebble tech pool finish with a lifetime warranty, hurricane shutters for the zero-corner slider, insulated attic with pull-down stairs in hallway, garage workshop, and generator hookup. Located on a quiet street in a popular golf and boating community close to St. Andrews South Golf Club, the Yacht Club, Fishermen's Village, and the historic downtown area of Punta Gorda. Enjoy access to arts, community events, entertainment, world-class fishing, boating, fine dining, and beautiful parks, as well as easy access to the SWFL gulf beaches. Don't miss your chance to own this waterside treasure! Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,572
Sqft
0.31 ac
Lot size
3
Garage
2020
Year built
One
Levels
$622
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.
$10,439 /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
$10,439/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
+26.2%
$/sqft vs PUNTA GORDA ISLES SEC 14
$622 vs $389
Days on market
7 vs 59 typical
Where $622/sqft sits among the 23 homes for sale in PUNTA GORDA ISLES SEC 14
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 33950 — neighborhood snapshot
Population
24,492
Median age
64.6
Median income
$74,484
Median home value
$393,500
Avg household
1.98
Households w/ children
1,614
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)
9 of 23
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 488% 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 3520 ORIOLE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$1,050,000
1450 KIWI COURT · same community
3 bd · 3.5 ba · 2,599 sqft · $404/sqft · 229 DOM
Sold · Oct ’25$1,340,000
1230 ROYAL TERN DRIVE · same community
3 bd · 3 ba · 2,422 sqft · $553/sqft · 181 DOM
Sold · Apr ’26$1,515,000
1205 ROYAL TERN DRIVE · same community
3 bd · 3 ba · 2,731 sqft · $555/sqft · 5 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 3520 ORIOLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3520 ORIOLE 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.
Straight answers
3520 ORIOLE DRIVE FAQs
What would the monthly payment be for 3520 ORIOLE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,439/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 3520 ORIOLE DRIVE?+
The most recent tax bill on record (2025) was $12,550. 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 3520 ORIOLE DRIVE?+
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 $1,600,000, this home is listed about 364% 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 3520 ORIOLE DRIVE?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — 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
$1,600,000 runs 488% above the PUNTA GORDA 33950 median — but at 2,572 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.
03Fresh on the market
Only 7 days on market in a Punta Gorda market that averages 59 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA · Brian Helgemo. MLS #C7528266.
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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