$1,199,000
Active1024 San Mateo Dr, Punta Gorda, FL 33950
3 beds · 2.5 baths · 3,013 sq ft
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · MLS# A4667481
382 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Coastal Luxury Meets Everyday Comfort! This stunning 3,013 sq. ft. waterfront retreat is more than just a home—it’s your own private oasis! Perfectly positioned just minutes to open water, it offers the best of Florida living with a 35-foot heated pool, spa, outdoor summer kitchen, and an 80-foot dock with boat lift. Step inside to discover a thoughtfully updated and redesigned interior. This kitchen is a chef’s dream, featuring rich wood cabinetry with abundant storage, granite counters, center island, sleek new appliances, and a double-door pantry. A casual breakfast nook with pool views and a generous breakfast bar seamlessly flow into the expansive family room—complete with gleaming hardwood floors and walls of windows that fill the space with natural light. Enjoy both formal and casual living options. A gracious living room opens to the lanai, while the formal dining room sets the stage for memorable dinners. Need extra space? The versatile office/man cave provides just the right spot to work—or unwind. The primary suite is a retreat of its own with hardwood floors, direct lanai access, two walk-in closets, and a spa-like bath featuring a dual vanity and Roman-style glass block walk-in shower. Two spacious guest bedrooms, each with walk-in closets, and a completely updated guest bath (with pool access!) ensure everyone feels right at home. Practicality meets style with a huge laundry room (Washer and Dryer 2 years old), half bath, and an oversized 27x20 garage offering exceptional storage. Step outside and you’ll see why this home was designed for entertaining. The expansive lanai has plenty of lounging space, a fully equipped summer kitchen, and of course—the sparkling heated pool (Heater replaced 4 years ago) and relaxing spa. With a 100-foot seawall and quick access to Charlotte Harbor, it’s a boater’s dream come true. This home truly checks every box—space, style, updates, and location. Don’t just dream about waterfront living—make it yours!
Facts
- Property type
- Single Family Residence
- Year built
- 1990
- Bathrooms
- 2 full, 1 half
- Living area
- 3,013 sqft
- Lot size
- 0.28 acres
- Waterfront
- Yes · 100 ft
- Water access
- Bay/Harbor, Canal - Saltwater
- Water view
- Yes
- Private pool
- Yes
- Exposure
- South
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $13,768/yr
- Listed
- Oct 6, 2025
- MLS #
- A4667481
Price & status history
- Listed for $1,299,000
- Price reduced to $1,199,000
Virtual tour
- Matterport 3-D tourmy.matterport.com
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 1024 SAN MATEO DR. Everything below is editable.
AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.
From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.
Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.
Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$8,209
$6,063 of that is principal & interest. 26% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $6,063
- Property taxes
- $1,147
- Homeowners insurance
- $999
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $8,209
Over the life of the loan
- Loan amount
- $959,200
- Down payment
- $239,800
- Total interest
- $1,223,407
- Principal + interest paid
- $2,182,607
- Paid off in
- 2056
Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.
Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.
Take a tour
Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.
1024 San Mateo Dr, Punta Gorda, FL 33950
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · MLS# A4667481 · Active
Where this home is
Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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