1188 HARBOUR PALM COURT, PUNTA GORDA, FL, 33983
Active171 days on marketListed Feb 20, 2026MLS #O6384062
About this home
1188 HARBOUR PALM COURT
0.23 acre lot located in Harbour Heights, a non-deed restricted waterfront community of Punta Gorda without the expense of a Homeowners Association! It is considered Flood zone X (no flood insurance required). This lot is NOT LOCATED IN A SCRUB JAY HABITAT and is conveniently located close to shopping, dining, banking, and it is a short drive to the Gulf Coast and beaches. Build your new home and enjoy all that southwest Florida has to enjoy! Listing agent is a member of the selling LLC
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$225 /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
$225/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.
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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% below the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 1188 HARBOUR PALM COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$275,000
2499 HERSHEY TERRACE · same community
3 bd · 2 ba · 1,585 sqft · $174/sqft · 0 DOM
Sold · Feb ’26$245,000
3222 DESOTO DRIVE · same community
4 bd · 2.5 ba · 1,935 sqft · $127/sqft · 51 DOM
Sold · Sep ’25$340,000
3239 DAYTONA DRIVE · same community
3 bd · 2 ba · 2,095 sqft · $162/sqft · 100 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 1188 HARBOUR PALM COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1188 HARBOUR PALM COURT — 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
1188 HARBOUR PALM COURT FAQs
What would the monthly payment be for 1188 HARBOUR PALM COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $225/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 1188 HARBOUR PALM COURT?+
The most recent tax bill on record (2024) was $136. 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 $8,500, this home is listed about 97% below the Punta Gorda median of $339,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1188 HARBOUR PALM COURT?+
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
01Under the PUNTA GORDA 33983 market on paper
$8,500 is 89% below the PUNTA GORDA 33983 median of $75,000.
02Time on market is leverage
171 days on market against a Punta Gorda median of 62 — sellers in this position are usually ready to negotiate.
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 RADIUS REALTY GROUP LLC · Toni Xavier. MLS #O6384062.
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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