1340 ROCK DOVE COURT UNIT 123, PUNTA GORDA, FL, 33950
Active28 days on marketListed Jul 17, 2026MLS #C7528406
About this home
1340 ROCK DOVE COURT UNIT 123
Luxury Waterfront Living with Direct Sailboat Access! Welcome to Outlook Cove Condominiums, where elegance and the Southwest Florida boating lifestyle come together. This beautifully maintained garden-level 3-bedroom + den, 2-bath residence offers direct, no-bridge sailboat access to Charlotte Harbor through the newly completed Buckley Pass, allowing you to reach open water in approximately 20 minutes. Your private dock is equipped with a 6,000-lb boat lift, making it ideal for avid boaters. Inside, you'll find a spacious open floor plan featuring tile flooring throughout, soaring 10-foot ceilings, and abundant natural light. The well-appointed kitchen boasts granite countertops, 42-inch wood cabinetry, stainless steel appliances, a large center island, and a reverse osmosis water filtration system serving the kitchen sink and refrigerator ice maker. Additional upgrades include impact-resistant windows, elevator access, ceiling fans, two assigned under-building parking spaces, and a private storage unit. Ideally located close to shopping, dining, downtown Punta Gorda, medical facilities, and Punta Gorda Airport, this exceptional waterfront residence offers the perfect blend of luxury, convenience, and Florida coastal living. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,814
Sqft
0.04 ac
Lot size
2
Garage
2007
Year built
Three Or More
Levels
$209
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.
$3,753 /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
$3,753/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
+17.6%
$/sqft vs Punta Gorda actives
$209 vs $206
Days on market
28 vs 63 typical
Where $209/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 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)
199 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 38% 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 1340 ROCK DOVE COURT UNIT 123
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$415,000
1428 PINE ISLAND COURT
3 bd · 2 ba · 1,811 sqft · $229/sqft · 42 DOM
Sold · Nov ’25$601,000
3730 TURTLE DOVE BOULEVARD
3 bd · 2 ba · 1,939 sqft · $310/sqft · 3 DOM
Sold · May ’26$267,500
4000 BAL HARBOR BOULEVARD UNIT 127
3 bd · 2 ba · 1,682 sqft · $159/sqft · 261 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 1340 ROCK DOVE COURT UNIT 123 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1340 ROCK DOVE COURT UNIT 123 — 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
1340 ROCK DOVE COURT UNIT 123 FAQs
What would the monthly payment be for 1340 ROCK DOVE COURT UNIT 123?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,753/mo — principal and interest, the actual property-tax bill, the $832/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 1340 ROCK DOVE COURT UNIT 123?+
The association fee works out to $832 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1340 ROCK DOVE COURT UNIT 123?+
The most recent tax bill on record (2025) was $4,352. 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 1340 ROCK DOVE COURT UNIT 123?+
The listing reports pets: Number Limit, Size Limit. 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 $378,900, this home is listed about 11% above the Punta Gorda median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1340 ROCK DOVE COURT UNIT 123?+
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
$378,900 runs 38% above the PUNTA GORDA 33950 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $832/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Tricia DeClue. MLS #C7528406.
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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