$319,000
Active409 W Ann St, Punta Gorda, FL 33950
3 beds · 2 baths · 1,270 sq ft
Listing courtesy of MARINA PARK REALTY LLC · MLS# C7529943
65 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Welcome to 409 W Ann St, ideally situated in Punta Gorda’s charming Historic District, just minutes from the waterfront, downtown Punta Gorda, Fishermen’s Village, dining, shopping, parks, and local attractions. This 3-bedroom, 2-bath home blends updated interior features with exceptional outdoor space and exciting possibilities for the future. The home makes an inviting first impression with its low-maintenance exterior, metal roof, NEW IMPACT-RESISTANT WINDOWS, mature tropical landscaping, and brick-paver driveway leading to the attached one-car garage. A covered front entry and spacious front yard complete the welcoming approach. Inside, a bright open living and eat-in kitchen area creates an easy flow for everyday living and entertaining. Warm wood-look flooring complements the neutral interior, while recessed lighting and a ceiling fan enhance the light and airy feel. The updated kitchen features dark cabinetry with modern hardware, crisp white countertops, a classic white subway-tile backsplash, and black appliances. A large contrasting center island serves as the centerpiece, offering extensive prep space, additional cabinetry and drawer storage, plus seating for casual dining. The primary suite provides a private retreat with a walk-in closet, direct access to the outdoor patio, and an en-suite bath with a walk-in shower. Two nicely sized guest bedrooms offer flexibility for family, visitors, or a home office and share an updated guest bath with a walk-in shower. Outdoor living is a highlight of the property. The large, covered tiki-style patio provides a shaded setting for dining, entertaining, or simply relaxing and enjoying the Florida lifestyle. Beyond the patio, the expansive backyard is framed by mature tropical landscaping and features rear alleyway access for added convenience. The generous homesite also provides room to explore the addition of a pool, detached garage, workshop, or potential accessory dwelling unit (ADU), subject to applicable zoning, Historic District requirements, and permitting. With its updated interior, impact-resistant windows, outdoor entertaining area, large backyard, rear alley access, and sought-after Historic District location, this property offers an appealing opportunity for a primary residence, seasonal retreat, or investment—all close to the best of Punta Gorda.
Facts
- Property type
- Single Family Residence
- Year built
- 1955
- Bathrooms
- 2 full
- Living area
- 1,270 sqft
- Lot size
- 0.23 acres
- Private pool
- No
- Exposure
- North
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $3,052/yr
- Listed
- Aug 25, 2026
- MLS #
- C7529943
Price & status history
- Listed for $324,900
- Price reduced to $319,000
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 409 W ANN 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
$2,133
$1,613 of that is principal & interest. 24% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,613
- Property taxes
- $254
- Homeowners insurance
- $266
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,133
Over the life of the loan
- Loan amount
- $255,200
- Down payment
- $63,800
- Total interest
- $325,494
- Principal + interest paid
- $580,694
- 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.
409 W Ann St, Punta Gorda, FL 33950
Listing courtesy of MARINA PARK REALTY LLC · MLS# C7529943 · 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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