$649,000
Active Under Contract1318 Penguin Ct, Punta Gorda, FL 33950
3 beds Β· 2 baths Β· 1,683 sq ft
Listing courtesy of KW PEACE RIVER PARTNERS Β· MLS# C7522691
116 days on market
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Whatβs special
- newer metal roof
- impact windows
- transferable flood policy
- deep-water canal
- direct sailboat access
- 10,000-pound boat lift
- heated pool
- screened lanai
AI-selected highlights from the listing description below.
Under contract-accepting backup offers. OVER $100,000 in home improvements that include a NEWER METAL ROOF AND NEWER IMPACT WINDOWS. This home has a TRANSFEABLE FLOOD POLICY to the new owners plus the newer roof and impact windows will significantly help on reducing your annual homeowners insurance. Experience the very best of Southwest Florida waterfront living in this beautifully maintained move-in ready pool home, ideally situated on a wide, deep-water canal in the highly sought-after Bird Section of Punta Gorda Isles. Tucked away on a quiet cul-de-sac, this exceptional property offers 56 feet of city-maintained concrete seawall, direct sailboat access with no fixed bridges, and quick boating access to Charlotte Harbor through Buckley's Pass and Alligator Creek before reaching the Gulf. Whether you're an avid boater, fisherman, or simply enjoy spectacular waterfront views, this home offers the perfect combination of comfort, convenience, and the Florida lifestyle. Even better, most furnishings are included, allowing you to start enjoying your new waterfront home immediately. Inside, you'll find a bright, open split-bedroom floor plan featuring three bedrooms, two bathrooms, soaring ceilings, beautiful upgraded flooring throughout, and an abundance of natural light. The spacious great room opens seamlessly to the screened lanai through expansive sliding glass doors, creating effortless indoor-outdoor living. The primary suite overlooks the pool and canal with direct lanai access, while the guest bath conveniently serves as a pool bath with direct access from the lanai. The kitchen is designed for both everyday living and entertaining, featuring stainless steel appliances, a large breakfast bar, a cozy breakfast nook, and an open layout that keeps everyone connected. Step outside to your private backyard oasis where a heated pool, expansive covered lanai, and wide canal views create the perfect setting for relaxing or entertaining year-round. Watch boats cruise by, enjoy breathtaking sunsets, or head out for a day on the water from your own backyard. Boaters will appreciate the 10,000-pound boat lift, dock with electric and water service, 56 feet of concrete seawall maintained by the City of Punta Gorda, and unrestricted sailboat access with no bridges to Charlotte Harbor and the Gulf of America. Conveniently located just minutes from Historic Downtown Punta Gorda, you'll enjoy waterfront dining, Fishermen's Village, boutique shopping, golf, pickleball, parks, walking and biking trails, farmers markets, festivals, and live entertainment. Beautiful Gulf beaches, including Englewood Beach and Boca Grande, are an easy drive away. Punta Gorda Airport (PGD) is approximately 15 minutes away, while Southwest Florida International Airport (RSW) is about 40 minutes away.
Facts
- Property type
- Single Family Residence
- Year built
- 1997
- Bathrooms
- 2 full
- Living area
- 1,683 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes Β· 56 ft
- Water access
- Bay/Harbor, Beach, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway, Lagoon, Marina, River
- Water view
- Yes
- Private pool
- Yes
- Exposure
- South
- Furnished
- Furnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $5,652/yr
- Listed
- Mar 1, 2026
- MLS #
- C7522691
Price & status history
- Listed for $669,000
- Price reduced to $649,000from $659,000
- Status changed to Active Under Contract
Virtual tour
- Virtual tourdl.dropboxusercontent.comView the virtual tour(opens dl.dropboxusercontent.com in a new tab)
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 1318 PENGUIN 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 β 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 β 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 β your down payment is 20% or more.
Estimated total monthly payment
$4,294
$3,282 of that is principal & interest. 24% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $3,282
- Property taxes
- $471
- Homeowners insurance
- $541
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,294
Over the life of the loan
- Loan amount
- $519,200
- Down payment
- $129,800
- Total interest
- $662,211
- Principal + interest paid
- $1,181,411
- 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 β 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
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1318 Penguin Ct, Punta Gorda, FL 33950
Listing courtesy of KW PEACE RIVER PARTNERS Β· MLS# C7522691 Β· Active Under Contract
Where this home is
Opens on aerial β on this coast the canal, the lot and the neighbours answer more questions than a street grid does.
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