3104 SEAFARER DRIVE, PUNTA GORDA, FL, 33983
Active35 days on marketListed Jun 26, 2026MLS #N6144817
About this home
3104 SEAFARER DRIVE
**WATERFRONT...WATERFRONT...WATERFRONT!** Built in **2022**, this beautifully crafted 3-bedroom, 2-bath, 2-car garage waterfront home offers exceptional boating access, located just 600 feet from the Peace River and featuring a brand-new 80-foot seawall installed in May 2026. **The home has experienced zero hurricane or flood damage**, offering added peace of mind. The property also includes a private dock with electric available nearby, providing convenient access for future dockside power. Designed with quality craftsmanship throughout, this bright and open floor plan offers hurricane impact windows, doors, and sliding glass doors, eliminating the need for hurricane shutters. The spacious kitchen features quality wood cabinetry with solid plywood boxes, soft-close doors and drawers, 42-inch upper cabinets, granite countertops, stainless steel appliances, a large center island, and an oversized pantry. Luxury vinyl plank flooring flows throughout the home, complemented by LED lighting, six-inch baseboards, ceiling fans, granite countertops in both bathrooms, and beautifully tiled tub and shower surrounds. The private primary suite offers one of the home's most desirable features, a walk-through closet with direct access to the laundry room, creating a convenient and functional owner's retreat. Additional upgrades include a high-efficiency A/C system, professionally sealed ductwork with mastic at all joints for enhanced energy efficiency, an electric floor outlet in the great room, a new fence installed in 2026, and a Generac 17,500-watt portable whole-house generator with dedicated house hookup for added peace of mind. Step outside to the screened lanai, the perfect place to relax or entertain, then unwind in the hot tub located just outside the lanai while enjoying the peaceful waterfront setting. **The spacious backyard offers plenty of room to add the pool of your dreams.** The oversized driveway provides additional parking space for a boat, trailer, or extra vehicles. Combining premium construction, thoughtful design, modern upgrades, and outstanding boating access, this move-in-ready home offers the perfect blend of luxury, convenience, and the Florida waterfront lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,733
Sqft
0.23 ac
Lot size
2
Garage
2022
Year built
One
Levels
$361
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.
$4,129 /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
$4,129/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
+58.2%
$/sqft vs HRBR HEIGHTS
$361 vs $234
Days on market
35 vs 59 typical
Where $361/sqft sits among the 25 homes for sale in HRBR HEIGHTS
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 33983 — neighborhood snapshot
Population
18,230
Median age
56.6
Median income
$67,705
Median home value
$324,100
Avg household
2.31
Households w/ children
1,552
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)
13 of 25
HRBR HEIGHTS have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 762% above the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 3104 SEAFARER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$425,000
3301 SANTA BARBARA DRIVE · same community
3 bd · 2 ba · 1,695 sqft · $251/sqft · 264 DOM
Sold · Jul ’26$520,000
2308 HARBOUR DRIVE · same community
3 bd · 2 ba · 1,808 sqft · $288/sqft · 43 DOM
Sold · Jul ’26$284,500
3055 CATALINA COURT · same community
3 bd · 2 ba · 1,560 sqft · $182/sqft · 139 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 3104 SEAFARER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3104 SEAFARER 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
3104 SEAFARER DRIVE FAQs
What would the monthly payment be for 3104 SEAFARER DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,129/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 3104 SEAFARER DRIVE?+
The most recent tax bill on record (2025) was $4,351. 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 3104 SEAFARER 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 $625,000, this home is listed about 81% 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 3104 SEAFARER DRIVE?+
Deep Creek 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
$625,000 runs 762% above the PUNTA GORDA 33983 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Deep Creek Elementary School, Punta Gorda Middle School, Charlotte High School — Deep Creek Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HOMESMART · Sabina Rozak. MLS #N6144817.
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.
Never miss a listing
New Punta Gorda homes, in your inbox
Like 3104 SEAFARER DRIVE but not quite? A daily digest of every new listing in Punta Gorda — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →