200 HARBOR WALK DRIVE UNIT 322, PUNTA GORDA, FL, 33950
Active150 days on marketListed Feb 24, 2026MLS #N6142575
About this home
200 HARBOR WALK DRIVE UNIT 322
Beautiful 3-bedroom, 2-bath condominium located in the highly sought-after Harbor Walk community, offering panoramic views of Charlotte Harbor and the Peace River. This spacious, light-filled residence features over 2,000 square feet of living space with vaulted and cathedral ceilings, luxury vinyl and tile flooring, and an open-concept floor plan ideal for comfortable waterfront living. The well-equipped kitchen offers granite and solid surface countertops, wood cabinetry, stainless steel appliances, and a dining area with stunning water views. The primary suite showcases peaceful harbor views, a large walk-in closet, and an ensuite bathroom with dual vanities and a walk-in shower. Two additional guest bedrooms provide plenty of space for family or visitors, along with updated bathrooms and a convenient in-unit laundry room complete with washer, dryer, utility sink, and storage. Sliding glass doors lead to a spacious screened lanai perfect for enjoying beautiful sunrises, watching dolphins and passing boats, and taking in the tranquil waterfront setting, while the front entry captures gorgeous sunset views. Additional features include hurricane shutters, high ceilings, underground gated parking with an assigned space and private storage. Harbor Walk offers resort-style amenities including a community pool and tennis courts, all just steps from Laishley Park and within walking distance to historic downtown Punta Gorda’s restaurants, shopping, art galleries, waterfront parks, walking and biking paths, farmer’s markets, festivals, and year-round events.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,018
Sqft
0.06 ac
Lot size
1
Garage
2001
Year built
One
Levels
$270
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.
$5,186 /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
$5,186/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
+25.2%
$/sqft vs Punta Gorda actives
$270 vs $207
Days on market
150 vs 59 typical
Where $270/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 Downtown Punta Gorda
Get to know Punta Gorda. See the full Punta Gorda guide →
Downtown Punta Gorda — neighborhood snapshot
Population
266
Median age
62
Median income
$60,897
Median home value
$330,312
Avg household
2
Households w/ children
22%
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)
179 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 100% 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 200 HARBOR WALK DRIVE UNIT 322
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$390,500
268 LEWIS CIRCLE UNIT 132
3 bd · 2 ba · 2,021 sqft · $193/sqft · 137 DOM
Sold · Sep ’25$485,000
437 SOUTH DRIVE
3 bd · 2 ba · 2,039 sqft · $238/sqft · 63 DOM
Sold · Jun ’26$500,000
1128 RUM CAY COURT
3 bd · 2 ba · 2,071 sqft · $241/sqft · 8 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 200 HARBOR WALK DRIVE UNIT 322 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 200 HARBOR WALK DRIVE UNIT 322 — 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
200 HARBOR WALK DRIVE UNIT 322 FAQs
What would the monthly payment be for 200 HARBOR WALK DRIVE UNIT 322?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $5,186/mo — principal and interest, the actual property-tax bill, the $900/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 200 HARBOR WALK DRIVE UNIT 322?+
The association fee works out to $900 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 200 HARBOR WALK DRIVE UNIT 322?+
The most recent tax bill on record (2025) was $8,124. 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 200 HARBOR WALK DRIVE UNIT 322?+
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 $545,000, this home is listed about 58% 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 200 HARBOR WALK DRIVE UNIT 322?+
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
Five things that matter here
01Positioned at the premium end
$545,000 runs 100% above the PUNTA GORDA 33950 median — but at 2,018 sqft it's also 17% larger than the typical Punta Gorda listing.
02Know the monthly fee
The association fee is $900/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
150 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
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.
05The price has already moved
Listed at $600,000, now $545,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Ronald Smith. MLS #N6142575.
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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