$90,000
Active3285 Santa Barbara Dr, Punta Gorda, FL 33983
0.23 acre lot
Listing courtesy of RE/MAX PALM REALTY · MLS# C7519526
301 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- waterfront lot
- Peace River access
- concrete seawall
- impact fees paid
- boat ramp nearby
- Charlotte Harbor access
AI-selected highlights from the listing description below.
The property features a CONCRETE seawall, is CLEARED, and IMPACT FEES ARE ALREADY PAID, making this lot truly ready to go. As a bonus, the neighboring lot (MLS #C7510583) is also available for purchase from a different owner, presenting a rare opportunity to secure additional waterfront frontage, create a larger estate-sized homesite, or preserve extra privacy. Discover the perfect opportunity to build your Florida waterfront dream in the desirable Harbour Heights community of Punta Gorda, FL. This waterfront lot offers quick and easy access to the Peace River and beyond to Charlotte Harbor and the Gulf—ideal for boating, fishing, and enjoying the Southwest Florida lifestyle. Just 1.1 miles away, residents enjoy the newly upgraded Harbour Heights Park, offering a public boat ramp, day docks, pavilion, tennis courts, shuffleboard, playground, and a beautiful park-like setting. Conveniently located near I-75, this location provides easy access to Punta Gorda, dining, shopping, and travel—while still delivering peaceful waterfront living. Whether you’re planning a full-time residence or a seasonal retreat, this property checks all the boxes for Southwest Florida waterfront living.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Waterfront
- Yes · 80 ft
- Water access
- Canal - Brackish, Canal - Saltwater
- Water view
- Yes
- Flood zone
- AE 10'
- Annual taxes
- $1,739/yr
- Listed
- Dec 31, 2025
- MLS #
- C7519526
Price & status history
- Listed for $125,000
- Price reduced to $90,000from $95,000
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 3285 SANTA BARBARA 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 — 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
$800
$455 of that is principal & interest. 43% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $455
- Property taxes
- $145
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $800
Over the life of the loan
- Loan amount
- $72,000
- Down payment
- $18,000
- Total interest
- $91,832
- Principal + interest paid
- $163,832
- 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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3285 Santa Barbara Dr, Punta Gorda, FL 33983
Listing courtesy of RE/MAX PALM REALTY · MLS# C7519526 · 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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