3190 ALOE STREET, PUNTA GORDA, FL, 33982
Active1 days on marketListed Aug 4, 2026MLS #C7528948
About this home
3190 ALOE STREET
Five acre water front home with your own boardwalk and boat lift! Enter through private motorized front gate to this expansive 4 bed, 3 bath property. The long driveway is lined with trees that go to the back of the property. With nearly 3000 sq ft, the open concept, vaulted ceiling mid century design is stunning. The kitchen features top end appliances, double oven, stone counters and custom maple cabinets. The living room has live edge shelving next to the fireplace that looks up to open beams on the ceiling. In the large master suite is a walk in ocean mosaic shower that is nothing short of your own personal spa. The house is a split floor plan with three of the bedrooms on opposite side. The home has a two car garage and a huge partially covered outdoor pool deck screened in with a waterfall rock formation, in-water dining table, shallow ledges, an outdoor kitchen, dog wash station and a private gated outdoor shower. Just off the back is a pergola with large paver patio, fire pit and dining area. Further back you will find a large exterior detached garage/barn/workshop that could fit a lot vehicles and a private office. The back of garage has two additional garage doors that could be used for car, barn or farm. This property is fenced in and perfect for outdoor enthusiasts or even horse lovers. Plenty of room for a pasture or Side-by-Side four wheeling. At the back of the property you will find your own long boardwalk suspended above the water marshes that lead to the private dock and boat lift. This is amazing to walk and relax morning or night. There are hardly any properties that come available like this. Pool was just drained cleaned and refilled. Two new water heaters just installed, new outdoor water spigots, new Lift control board. Lot is 5.03 Acres on Beautiful Shell Creek, giving Direct Access to Charlotte Harbor and the Gulf. Boat, fish or kayak from your dock. The lift is rated 6,000lb. Short Drive to shopping, dining, downtown Punta Gorda, I-75, Punta Gorda Airport, Waterfront Parks, Tennis, Golf, Pickleball, Port Charlotte, Arcadia and all that Southwest Florida
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,916
Sqft
5.03 ac
Lot size
2
Garage
1986
Year built
One
Levels
$324
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.
$6,575 /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
$6,575/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
+0.9%
$/sqft vs Punta Gorda actives
$324 vs $207
Days on market
1 vs 60 typical
Where $324/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 33982 — neighborhood snapshot
Population
12,543
Median age
53.1
Median income
$68,514
Median home value
$285,400
Avg household
2.24
Households w/ children
1,033
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)
193 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 631% above the PUNTA GORDA 33982 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 3190 ALOE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$290,000
19580 NW 80th Drive, Okeechobee FL 34972 · same community
3 bd · 2.5 ba · 3,013 sqft · $96/sqft · 172 DOM
Sold · Apr ’26$530,000
30110 LOBLOLLY PINE DRIVE · same community
2 bd · 2 ba · 2,134 sqft · $248/sqft · 142 DOM
Sold · Oct ’25$170,000
19410 NW 80TH DRIVE · same community
3 bd · 2 ba · 1,792 sqft · $95/sqft · 241 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 3190 ALOE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3190 ALOE STREET — 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
3190 ALOE STREET FAQs
What would the monthly payment be for 3190 ALOE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,575/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 3190 ALOE STREET?+
The most recent tax bill on record (2025) was $11,538. 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 $945,000, this home is listed about 174% above the Punta Gorda median of $344,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3190 ALOE STREET?+
East Elementary School (elementary), Punta Gorda 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
$945,000 runs 631% above the PUNTA GORDA 33982 median — but at 2,916 sqft it's also 73% 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 1 day on market in a Punta Gorda market that averages 60 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Troy Hughes. MLS #C7528948.
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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