$699,000
ActivePrice drops, under contract and the sold price, by email.3454 Owl Ct, Punta Gorda, FL 33950
3 beds Β· 2 baths Β· 1,930 sq ft
Listing courtesy of HOME MATCHMAKING REALTY Β· MLS# C7532225
Listed today
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Welcome to 3454 Owl Court, where the Florida waterfront lifestyle meets thoughtful upgrades and inviting outdoor living. This beautifully maintained property, with Sailboat access to Charlotte Harbor, boasts over $170,000 in documented improvements, offering an impressive combination of comfort, functionality, and style. Step outside to your private outdoor retreat, complete with a heated swimming pool and in ground SPA(new pool pump and salt cell in 2024, new pool filter and case in 2025, new chlorination system, breaker and iAqualink system in 2026), boat lift(10,000 lbs with new motors 2024), and spacious paved patioβperfect for soaking up the Florida sunshine, entertaining guests, or simply unwinding by the water. The home's curb appeal shines with a circular paver driveway(installed 2023), tropical landscaping, and a freshly painted exterior(2024). Inside, enjoy refreshed kitchen cabinetry, beautifully updated guest and primary bathrooms (2024), and modern conveniences throughout. Major improvements include a NEW ROOF and Gutters(2023), NEW A/C SYSTEM (2026), NEW 50 gallon WATER HEATER (2025), whole-home GENERAC generator with 2 LP tanks. Additional features include a mini-split A/C in the garage, reverse osmosis water system, storm protection at the front entry, and updated irrigation and landscaping. Seawall is maintained by the City of Punta Gorda(approx $1,300 a year on your taxes). Items conveying with property: refrigerator, oven with cooktop, microwave oven, dishwasher, washer, dryer, kitchen reverse osmosis water purifier, all window treatments, built-in Murphy bed and shelf, and two underwater fish lights at dock. Personal property items for sale: Kitchen table and chairs, Lanai table and chairs, Office desk, Decorative metal outside bench, Two concrete benches on patio outside lanai. Punta Gorda Isles is one of Southwest Florida's premier boating communities, offering miles of sidewalks, nearby golf, waterfront parks, pickleball and tennis courts, yacht clubs, Fishermen's Village, and historic downtown Punta Gorda's restaurants, shopping, and entertainment. While Punta Gorda is renowned for its boating lifestyle, the city also boasts a vibrant arts and music scene. Spend weekends exploring local farmers markets, strolling through art fairs, enjoying waterfront festivals, and attending live music events held throughout the year. Whether you're relaxing poolside, entertaining friends, or preparing for your next boating adventure, this waterfront retreat is ready for its next chapter. Schedule your private showing today!
Facts
- Property type
- Single Family Residence
- Year built
- 1991
- Bathrooms
- 2 full
- Living area
- 1,930 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes Β· 71 ft
- Water access
- Canal - Saltwater
- Water view
- Yes
- Private pool
- Yes
- Exposure
- West
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $7,792/yr
- Listed
- Nov 4, 2026
- MLS #
- C7532225
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 3454 OWL 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 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; the flood zone and the current policy's premium decide the number.
Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.
AssumptionNot applied β your down payment is 20% or more.
Estimated total monthly payment
$4,766
$3,535 of that is principal & interest. 26% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $3,535
- Property taxes
- $649
- Homeowners insurance
- $583
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,766
Over the life of the loan
- Loan amount
- $559,200
- Down payment
- $139,800
- Total interest
- $713,229
- Principal + interest paid
- $1,272,429
- 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 the calculator sends none of them anywhere, and no lender is quoting you. Only the separate flood & insurance request sends anything: what you type into it, to a Lasbury Tracy agent. 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.
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The closest recent sales to this home, with what they sold for and when.
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3454 Owl Ct, Punta Gorda, FL 33950
Listing courtesy of HOME MATCHMAKING REALTY Β· MLS# C7532225 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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