$289,900
Active3242 Cardiff St, Punta Gorda, FL 33983
3 beds · 2 baths · 1,490 sq ft
Listing courtesy of REALTYTEAM.COM, INC. · MLS# A4701474
91 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- screened-in lanai
- fully fenced backyard
- concrete patio slab
- wired shed
- walk-in closet
- roof replaced 2021
AI-selected highlights from the listing description below.
Welcome home to Harbor Heights! This charming 3-bedroom, 2-bathhome offers the space, updates, and outdoor living you’ve been looking for—plus plenty of room to make it your own. With a 2021 roof, city water, and a newer septic system installed in 2013, some of the big-ticket items are already taken care of. Step inside to a bright, open-concept living space designed for everyday living and easy entertaining. The updated kitchen features beautiful wood cabinetry, granite countertops, and stainless steel appliances, with the kitchen opening directly to the dining and living areas so everyone stays connected. The appliances are approximately 4 years old. French doors open to the screened-in lanai, extending your living space outdoors and creating the perfect spot for morning coffee, an evening glass of wine, or simply enjoying Florida’s year-round lifestyle. And the backyard is where this home really shines! The large, fully fenced yard offers plenty of room for kids, pets, play, gardening, or backyard gatherings. A 12' x 25' concrete patio is ready for grilling and entertaining, while the impressive 24' x 12' electrically wired shed provides a fantastic bonus space for storage, a workshop, hobbies, projects, or even a dedicated workspace. The spacious primary suite features a walk-in closet and private bath with generous counter space. An interior laundry room with utility sink adds everyday convenience, with the flexibility to relocate the laundry to the garage if desired. Additional updates include exterior paint approximately 4 years ago and overhead plumbing approximately 1 year old. Ideally located near Deep Creek Elementary School and I-75, this home offers easy access to everyday conveniences and commuting routes while giving you the space to truly enjoy life at home. Whether you’re looking for room to grow, a fantastic fenced yard for the kids and pets, space to entertain, or a home with a workshop/storage area, this Harbor Heights gem deserves a look!
Facts
- Property type
- Single Family Residence
- Year built
- 1983
- Bathrooms
- 2 full
- Living area
- 1,490 sqft
- Lot size
- 0.23 acres
- Private pool
- No
- Exposure
- West
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $3,539/yr
- Listed
- Jul 29, 2026
- MLS #
- A4701474
Price & status history
- Listed for $294,900
- Price reduced to $289,900
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 3242 CARDIFF ST. 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
$2,002
$1,466 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
- $1,466
- Property taxes
- $295
- Homeowners insurance
- $242
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,002
Over the life of the loan
- Loan amount
- $231,920
- Down payment
- $57,980
- Total interest
- $295,801
- Principal + interest paid
- $527,721
- 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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3242 Cardiff St, Punta Gorda, FL 33983
Listing courtesy of REALTYTEAM.COM, INC. · MLS# A4701474 · 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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