$24,900
Pending12339 Cognac Dr, Punta Gorda, FL 33955
0.36 acre lot
Listing courtesy of AURA HOMES, LLC. · MLS# C7516004
354 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Two combined lots
- Paved road frontage
- Nearby utilities
- No HOA
- RSF3.5 zoning
- US-41 access
- I-75 access
AI-selected highlights from the listing description below.
Rare opportunity! Two lots combined into a single parcel, totaling almost 0.40 acres, in Tropical Gulf Acres, Punta Gorda. This property offers major possibilities for the savvy buyer—build your dream home, hold as an investment, or create your custom retreat. Enjoy paved road frontage, nearby utilities, and convenient access to US-41 and I-75. Zoned RSF3.5 with no HOA, this lot gives you the freedom and flexibility to design your vision. Self-access property—drive by anytime!
Facts
- Property type
- Land
- Lot size
- 0.36 acres
- Flood zone
- D
- CDD
- No
- Annual taxes
- $720/yr
- Listed
- Oct 9, 2025
- MLS #
- C7516004
Price & status history
- Listed for $32,000
- Price reduced to $24,900
- Status changed to Pending
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 12339 COGNAC 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
$386
$126 of that is principal & interest. 67% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $126
- Property taxes
- $60
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $386
Over the life of the loan
- Loan amount
- $19,920
- Down payment
- $4,980
- Total interest
- $25,407
- Principal + interest paid
- $45,327
- 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.
12339 Cognac Dr, Punta Gorda, FL 33955
Listing courtesy of AURA HOMES, LLC. · MLS# C7516004 · Pending
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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