1217 GORDA CAY LANE, PUNTA GORDA, FL, 33950
Active15 days on marketListed Jul 23, 2026MLS #N6144750
Come see it
Upcoming open house
Sun, Aug 9
11:00 AM – 1:00 PM
About this home
1217 GORDA CAY LANE
Live the Florida boating lifestyle you’ve been dreaming of! This beautifully updated Punta Gorda Isles waterfront townhome includes a private deeded dock with a 6,000-lb boat lift, putting you just minutes from Charlotte Harbor and the Gulf of Mexico. Natural light fills the open floor plan featuring soaring vaulted ceilings, a spacious great room, an updated kitchen with granite countertops and solid wood cabinetry, and a first-floor primary suite for everyday convenience. Upstairs, you’ll find a guest bedroom, full bath, and a versatile loft with a Murphy bed—perfect for visiting family, a home office, or additional sleeping space. Step outside to the oversized screened lanai overlooking the canal, where you can enjoy your morning coffee, unwind in the hot tub, or simply watch the boats go by. Additional features include plantation shutters, French doors, a gated tropical courtyard, and a one-car garage with extra storage. Recent improvements include a 2023 metal roof, 2023 water heater, 2023 microwave, 2019 A/C, and 2017 boat lift, offering peace of mind for years to come. Located just minutes from downtown Punta Gorda’s waterfront parks, restaurants, shopping, golf, and entertainment, this home offers the perfect combination of comfort, convenience, and waterfront living. Looking for even more possibilities? The adjoining townhome at 1215 Gorda Cay Lane is also available. Purchase one unit, or consider acquiring both sides of the building—an exceptional opportunity for multi- generational living, seasonal flexibility, rental income potential, or long-term investment.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,877
Sqft
0.04 ac
Lot size
2
Garage
1992
Year built
Two
Levels
$250
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.
$4,444 /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
$4,444/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.
$/sqft vs Punta Gorda actives
$250 vs $207
Days on market
15 vs 59 typical
Where $250/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)
195 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 77% 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 1217 GORDA CAY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$499,100
3553 DILEUCA STREET
2 bd · 2 ba · 1,867 sqft · $267/sqft · 16 DOM
Sold · Jun ’26$285,000
3640 BAL HARBOR BOULEVARD UNIT 131
3 bd · 2 ba · 1,867 sqft · $153/sqft · 120 DOM
Sold · Jan ’26$640,000
3612 WHIPPOORWILL BOULEVARD
3 bd · 2 ba · 1,899 sqft · $337/sqft · 19 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 1217 GORDA CAY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1217 GORDA CAY LANE — 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
1217 GORDA CAY LANE FAQs
What would the monthly payment be for 1217 GORDA CAY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,444/mo — principal and interest, the actual property-tax bill, the $855/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 1217 GORDA CAY LANE?+
The association fee works out to $855 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1217 GORDA CAY LANE?+
The most recent tax bill on record (2025) was $5,489. 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 1217 GORDA CAY LANE?+
The listing reports pets: Breed Restrictions, Dogs OK, 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 $469,500, this home is listed about 38% above the Punta Gorda median of $341,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1217 GORDA CAY LANE?+
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
$469,500 runs 77% 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 $855/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.
05The price has already moved
Listed at $479,500, now $469,500 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES FLORIDA REALTY · Amanda Qualley. MLS #N6144750.
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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