$124,900
Active3119 Sunny Harbor Dr, Punta Gorda, FL 33982
2 beds Β· 1 bath Β· 714 sq ft
Listing courtesy of ALIGN RIGHT REALTY SRQ OPULENCE Β· MLS# A4692979
174 days on market
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Whatβs special
- Canal-front home
- Private wood deck
- Dock with electric access
- Fully furnished
- Heated community pool
- Free boat storage
- 55+ community
AI-selected highlights from the listing description below.
TURNKEY WATERFRONT VALUE IN PELICAN HARBOR β BEAUTIFULLY REMODELED & MOVE-IN READY! Welcome to this charming canal-front home offering direct access to the Peace River, Charlotte Harbor, and the Gulf of America β all at an unbeatable price point. Thoughtfully renovated from top to bottom, this home is being sold fully furnished and equipped so you can start living the Florida lifestyle from day one. WATERFRONT FEATURES: Enjoy the serenity of canal-front living from your private wood deck and dock β perfect for fishing, kayaking, or simply soaking in the peaceful water views. The dock includes electric and water access with no fixed bridges to open water. MAJOR UPDATES β MOVE IN WITH CONFIDENCE: Beautifully remodeled interior with updated flooring, fresh interior paint, and modern finishes throughout. INTERIOR FEATURES: Light and bright open-concept living, dining, and kitchen areas. All appliances included. Inside laundry included. Covered aluminum carport with two assigned spaces. Sold fully furnished β truly turnkey. THE VALUE IS IN THE HOA β ONLY $175/MONTH ALL-IN: Here's what makes Pelican Harbor stand out from every other community in the area β your $175 monthly HOA fee covers water, sewer, trash, road maintenance, AND access to all community amenities. That's not a typo. Compare that to comparable SWFL 55+ communities where HOA fees routinely run $400β$700/month and utilities are separate. AMENITIES INCLUDED: Heated community pool β’ Remodeled clubhouse (post-Hurricane Milton) β’ Shuffleboard courts β’ Bocce ball β’ Horseshoe pits β’ FREE boat/RV/trailer storage β’ Active social calendar with weekly events, dinners, and activities year-round. COMMUNITY UPGRADES: All community roads repaved (2025). Upgraded water treatment plant (2025). Professionally managed by Gateway Management Group β a well-run, financially responsible association. PEACE OF MIND: Professional pest control maintained. Energy-efficient insulation upgrade. Association approval required β application and rental forms attached. PELICAN HARBOR β PUNTA GORDA'S BEST-KEPT SECRET: This resident-owned, deed-restricted 55+ community sits just east of downtown Punta Gorda with easy access to Fishermen's Village, waterfront dining, the farmer's market, US-41, and I-75. About 75% of homes in the community sit on the canal or Peace River β and this one is among them. Consider a REVERSE MORTGAGE Purchase β put down 40β50% and never make a monthly mortgage payment for as long as you live in the home. Preserve your savings, protect your lifestyle, and enjoy true financial peace of mind in paradise. Don't miss this rare opportunity to own a fully updated, turnkey waterfront home in one of Charlotte County's most affordable and amenity-rich 55+ communities.
Facts
- Property type
- Manufactured Home
- Year built
- 1983
- Bathrooms
- 1 full
- Living area
- 714 sqft
- Lot size
- 0.08 acres
- Waterfront
- Yes Β· 40 ft
- Water access
- Canal - Brackish
- Water view
- Yes
- Private pool
- No
- Exposure
- East
- Furnished
- Turnkey
- Flood zone
- AE*
- CDD
- No
- 55+ community
- Yes
- Annual taxes
- $1,525/yr
- Monthly fees
- $175/mo
- Listed
- May 7, 2026
- MLS #
- A4692979
Price & status history
- Listed for $129,900
- Price reduced to $124,900
Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 3119 SUNNY HARBOR 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 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.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied β your down payment is 20% or more.
Estimated total monthly payment
$1,134
$632 of that is principal & interest. 44% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $632
- Property taxes
- $127
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $175
- Mortgage insurance (PMI)
- $0
- Total per month
- $1,134
Over the life of the loan
- Loan amount
- $99,920
- Down payment
- $24,980
- Total interest
- $127,442
- Principal + interest paid
- $227,362
- 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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3119 Sunny Harbor Dr, Punta Gorda, FL 33982
Listing courtesy of ALIGN RIGHT REALTY SRQ OPULENCE Β· MLS# A4692979 Β· Active
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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