$445,000
Active3129 Banyan Way, Punta Gorda, FL 33950
3 beds · 2 baths · 2,240 sq ft
Listing courtesy of RE/MAX ALLIANCE GROUP · MLS# C7528175
113 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- canal frontage
- direct boating access
- two fenced lots
- dual kitchens
- wraparound deck
- separate guest suite
- new roof
- impact-rated windows
AI-selected highlights from the listing description below.
Experience the best of Southwest Florida waterfront living with this incredible opportunity in the highly desirable Charlotte Park community! Situated on TWO fully fenced lots with an impressive 147 feet of canal frontage, this versatile two-story home offers direct boating access to Charlotte Harbor, making it the perfect fit for boaters, investors, or anyone looking for flexible living options. Beautifully renovated from top to bottom, this move-in ready home leaves nothing untouched. Featuring a NEW roof, NEW impact-rated windows and doors, TWO beautifully updated kitchens, NEW flooring throughout, completely renovated bathrooms, and countless additional interior and exterior improvements, every detail has been thoughtfully updated so the next owner can simply move in and start enjoying the Florida lifestyle. Designed with versatility in mind, the lower level features its own private entrance complete with a spacious bedroom, full bathroom, comfortable living area, and fully equipped kitchen—creating the perfect setup for families, extended guests, seasonal visitors, or income-producing rental potential. Upstairs, natural light fills the open living spaces where you'll find two additional bedrooms, an updated kitchen with plenty of room to gather, an inviting living area, and an expansive wraparound deck overlooking the canal—the perfect place to enjoy your morning coffee or unwind while taking in breathtaking Florida sunsets. Outside is where this property truly shines. The oversized double lot offers endless opportunities for entertaining, gardening, pets, or storing your boat, trailer, RV, and all your waterfront toys. Launch your boat right from your backyard and spend your days exploring Charlotte Harbor, waterfront restaurants, nearby islands, and the Gulf of Mexico. Whether you're searching for a full-time residence, seasonal retreat, vacation rental, or a home that comfortably accommodates the entire family, this property offers exceptional flexibility without sacrificing the waterfront lifestyle. Opportunities like this—with 147 feet of canal frontage, two fully fenced lots, direct boating access, an extensively renovated interior and exterior, and a flexible floor plan—are few and far between.
Facts
- Property type
- Single Family Residence
- Year built
- 1987
- Bathrooms
- 2 full
- Living area
- 2,240 sqft
- Lot size
- 0.45 acres
- Waterfront
- Yes · 147 ft
- Water access
- Canal - Saltwater
- Water view
- Yes
- Private pool
- No
- Exposure
- Southeast
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $2,999/yr
- Listed
- Jul 8, 2026
- MLS #
- C7528175
Price & status history
- Listed for $465,000
- Price reduced to $445,000
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 3129 BANYAN WAY. 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
$2,871
$2,250 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
- $2,250
- Property taxes
- $250
- Homeowners insurance
- $371
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,871
Over the life of the loan
- Loan amount
- $356,000
- Down payment
- $89,000
- Total interest
- $454,058
- Principal + interest paid
- $810,058
- 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
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3129 Banyan Way, Punta Gorda, FL 33950
Listing courtesy of RE/MAX ALLIANCE GROUP · MLS# C7528175 · 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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