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$989,900

Active

321 Palm Isles Ct, Punta Gorda, FL 33950

3 beds · 2 baths · 2,135 sq ft

Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · MLS# C7532534

Listed today

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

About this home

Virtually Staged. EXCEPTIONAL WATERFRONT LIVING IN PUNTA GORDA ISLES — A BOATER'S AND ENTERTAINER'S PARADISE! Welcome to 321 Palm Isles Court, a beautiful 3-bedroom, 2-bath waterfront pool home offering 2,135 square feet of living space, a spacious 3-car garage, and an extraordinary outdoor entertaining experience. Nestled on a desirable dead-end street in Punta Gorda Isles with underground utilities, this home combines tropical beauty, comfortable living, and the boating lifestyle Southwest Florida is famous for. THE OUTDOOR LIVING SPACE IS TRULY THE STAR OF THIS HOME! Step through the sliding glass doors to an expansive screened lanai featuring a heated in-ground swimming pool and an above-ground spa. Designed for year-round enjoyment, this inviting retreat features a charming wood-burning fireplace, an outdoor cooking area, and a built-in bar — perfect for hosting friends, gathering with family, or simply relaxing while enjoying the beautiful canal views and spectacular Florida sunsets. BOATERS AND FISHING ENTHUSIASTS WILL LOVE the double dock, private boat lift, fish-cleaning station, and saltwater canal frontage. Whether heading out for a day on the water, returning with the day's catch, or enjoying a peaceful evening along the dock, this property makes waterfront living effortless. Beautiful tropical landscaping surrounds the property, creating a lush, inviting atmosphere with colorful flowering plants, a Florida avocado tree, and a dedicated fenced dog run. Low-maintenance artificial turf provides year-round greenery and a beautifully manicured appearance while reducing lawn upkeep. An irrigation system helps maintain the attractive grounds. Inside, distinctive stone accents and a contemporary linear electric fireplace create an inviting atmosphere filled with warmth and character. Ceramic tile flooring, sliding glass doors, and thoughtfully designed living spaces provide comfortable everyday living and an easy connection to the outdoor entertaining areas. The home also features an interior laundry room, central air conditioning, and a well-equipped kitchen with appliances including a refrigerator, range, microwave, dishwasher, and disposal. ADDITIONAL HIGHLIGHTS include a tile roof, remote-controlled roll-down hurricane shutters for convenient storm protection, a Generac Guardian 18kW automatic standby generator for added peace of mind during power outages, rain gutters, public water and sewer, underground utilities, and an attached 3-car garage offering ample space for vehicles, storage, and recreational equipment. Located in the highly desirable waterfront community of Punta Gorda Isles, this property is conveniently situated near historic downtown Punta Gorda, Fishermen's Village, waterfront parks, restaurants, boutique shopping, walking and biking paths, and popular community events. FROM BOATING AND FISHING TO POOLSIDE GATHERINGS AND FIRESIDE EVENINGS, THIS IS SOUTHWEST FLORIDA WATERFRONT LIVING AT ITS FINEST!

Facts

Property type
Single Family Residence
Year built
2001
Bathrooms
2 full
Living area
2,135 sqft
Lot size
0.22 acres
Waterfront
Yes · 80 ft
Water access
Canal - Brackish, Canal - Saltwater
Water view
Yes
Private pool
Yes
Exposure
North
Furnished
Unfurnished
Flood zone
9AE
CDD
No
55+ community
No
Annual taxes
$11,955/yr
Listed
Oct 26, 2026
MLS #
C7532534

Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 321 PALM ISLES 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.

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

$6,827

$5,005 of that is principal & interest. 27% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$5,005
Property taxes
$996
Homeowners insurance
$825
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$6,827

Over the life of the loan

Loan amount
$791,920
Down payment
$197,980
Total interest
$1,010,050
Principal + interest paid
$1,801,970
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.

321 Palm Isles Ct, Punta Gorda, FL 33950

Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · MLS# C7532534 · Active

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

In person · Fri, Oct 30 · 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, 6:02 PM (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]