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$649,900

Active

1245 Winward Ct, Punta Gorda, FL 33950

3 beds · 2 baths · 1,748 sq ft

Listing courtesy of EXP REALTY LLC · MLS# A4710025

2 days on market

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

Morning coffee on the screened lanai, the heated pool glowing beside you, and the boat waiting on its lift a few steps away: that’s everyday life at this 3-bedroom, 2-bath single-story pool home on a corner lot in Punta Gorda Isles. The saltwater canal out back offers Gulf access with just one fixed bridge between your dock and open water, which is less than 15 minutes away. Inside, an open floor plan flows from the living and dining combo into the kitchen, where stone counters give you room to spread out a meal and a separate dinette handles quick breakfasts and casual lunches. All appliances stay, including the washer and dryer. Ceramic and porcelain tile runs underfoot, plantation shutters let you dial in the Florida light, and new ceiling fans keep air moving from room to room. The split bedroom plan sets the primary suite apart on its own side of the home, with California Closets keeping the wardrobe organized and a private en-suite bath, while the other two bedrooms sit across the house for added privacy. The backyard is built around the water. The heated gunite pool has been resurfaced and refreshed with new decking, a new pump, and a new screened enclosure, and the covered, screened lanai runs along the back of the house for shaded dining and evenings watching the canal. A fenced yard adds a layer of privacy on the corner lot. At the waterline, about 40 feet of concrete seawall anchors a dock with a 10,000 lb boat lift, so a day fishing Charlotte Harbor or cruising toward the Gulf starts right from your own backyard. The practical side is covered too: a metal roof, a whole-home tankless water heater for on-demand hot water, a RainSoft water system that conveys with the home, and generator hookups already in place on the side of the house. The attached side-entry 2-car garage keeps the front of the home clean and leaves room for vehicles, tools, and fishing gear. There’s no mandatory HOA here, just an optional PGI civic association for about $100 per year. Historic downtown Punta Gorda is minutes away, with its waterfront dining and walkable streets. The Harborwalk, a path of more than two miles along Charlotte Harbor and the Peace River, links Laishley Park, with its marina, fishing pier, and event lawn, to Gilchrist Park, with its long fishing pier, tennis and basketball courts, and wide-open harbor views, before ending at Fishermen’s Village, a waterfront collection of shops, restaurants, and a full-service marina set on a pier dating to 1928. Punta Gorda Airport and I-75 are a short drive away for easy travel. Schools include Sallie Jones Elementary, Punta Gorda Middle, and Charlotte High (buyer to verify assignment). Cash, conventional, FHA, and VA financing are welcome. Updated waterfront pool homes with Gulf access and no mandatory HOA don’t come along often in Punta Gorda Isles. Schedule your private showing today.

Facts

Property type
Single Family Residence
Year built
1974
Bathrooms
2 full
Living area
1,748 sqft
Lot size
0.32 acres
Waterfront
Yes · 40 ft
Water access
Canal - Saltwater, Gulf/Ocean to Bay, Intracoastal Waterway, River
Water view
Yes
Private pool
Yes
Exposure
Northwest
Furnished
Negotiable
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$4,719/yr
Monthly fees
$8/mo
Listed
Oct 17, 2026
MLS #
A4710025

Price & status history

  1. Listed for $649,900
  2. Status changed to Active

Virtual tour

Tours are hosted by the seller’s chosen provider, not by Lasbury-Tracy Realty. Opening one loads content from that company and shares your IP address with them.

Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 1245 WINWARD CT. 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.

From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.

AssumptionNot applied — your down payment is 20% or more.

Estimated total monthly payment

$4,229

$3,286 of that is principal & interest. 22% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$3,286
Property taxes
$393
Homeowners insurance
$542
Flood insurance
$0
HOA / condo fees
$8
Mortgage insurance (PMI)
$0
Total per month
$4,229

Over the life of the loan

Loan amount
$519,920
Down payment
$129,980
Total interest
$663,129
Principal + interest paid
$1,183,049
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.

1245 Winward Ct, Punta Gorda, FL 33950

Listing courtesy of EXP REALTY LLC · MLS# A4710025 · Active

How would you like to see it?
Which day?
What time of day?

In person · Thu, Oct 29 · Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

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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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 29, 2026, 12:23 AM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. 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. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. · [email protected]