3513 ARECA STREET, PUNTA GORDA, FL, 33950
Active174 days on marketListed Feb 10, 2026MLS #O6380039
About this home
3513 ARECA STREET
Short Sale. Value-add opportunity in a centrally located Punta Gorda neighborhood. This 3-bedroom, 2-bath home, built in 1959, offers a 1-car garage, fenced yard, and public water and sewer—an important advantage for renovation projects in this area. The property appears to be mid-rehab and will require substantial additional work to complete, making it best suited for investors, renovators, or buyers seeking a project. Located in Flood Zone AE, buyers should verify insurance requirements. Convenient to downtown Punta Gorda, waterfront parks, shopping, dining, and major roadways, this property presents strong potential for the right buyer looking to restore and reimagine a home in an established community. Agents: please review all private remarks prior to scheduling a showing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,869
Sqft
0.22 ac
Lot size
1
Garage
1959
Year built
One
Levels
$70
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.
$1,038 /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
$1,038/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
−58.1%
$/sqft vs Punta Gorda actives
$70 vs $204
Days on market
174 vs 59 typical
Where $70/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 33950 — neighborhood snapshot
Population
24,492
Median age
64.6
Median income
$74,484
Median home value
$393,500
Avg household
1.98
Households w/ children
1,614
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)
181 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 51% below the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 3513 ARECA 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$272,000
3019 AMANDA STREET · same community
4 bd · 2 ba · 1,816 sqft · $150/sqft · 108 DOM
Sold · Jul ’26$229,000
2810 VASCO STREET · same community
2 bd · 2 ba · 1,352 sqft · $169/sqft · 208 DOM
Sold · Oct ’25$265,000
3225 AMANDA STREET · same community
3 bd · 2 ba · 1,338 sqft · $198/sqft · 542 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 3513 ARECA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3513 ARECA 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
3513 ARECA STREET FAQs
What would the monthly payment be for 3513 ARECA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,038/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 3513 ARECA STREET?+
The most recent tax bill on record (2025) was $666. 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 $129,900, this home is listed about 62% below the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 3513 ARECA STREET?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PUNTA GORDA 33950 market on paper
$129,900 is 51% below the PUNTA GORDA 33950 median of $267,250, and at $70/sqft it sits under the Punta Gorda average of $233.
02Time on market is leverage
174 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $139,900, now $129,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ELITE REALTY · Jonathon, PA McLeod. MLS #O6380039.
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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