$350,000
Active4284 River Bank Way, Punta Gorda, FL 33980
3 beds · 2 baths · 2,354 sq ft
Listing courtesy of COLDWELL BANKER REALTY · MLS# A4695142
149 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- lakefront home
- gated community
- first floor bedrooms
- bonus room
- whole-house water filtration
- water views
- community pool
- fitness center
AI-selected highlights from the listing description below.
Beautifully maintained 3-bedroom, 2-bath lakefront home in the sought-after gated River Club community of Punta Gorda. **NEW ROOF, all bedrooms are on the first floor** This move-in-ready property is being sold fully FURNISHED with newer furnishings and features a spacious upstairs bonus room ideal for a home office, media room, playroom, or guest space. Recent upgrades include a new roof (2025), newer 5-ton A/C, activated carbon whole-house water filtration system, and brand-new washer and dryer. The spacious island kitchen offers abundant storage and workspace, while the backyard provides peaceful water views and plenty of room for a private pool. Located in desirable FLOOD ZONE X, flood insurance is NOT required by most lenders. Just two homes from the community pool and fitness center, residents also enjoy lawn care and common area maintenance. Conveniently located near downtown Punta Gorda, US-41, and I-75.
Facts
- Property type
- Single Family Residence
- Year built
- 2007
- Bathrooms
- 2 full
- Living area
- 2,354 sqft
- Lot size
- 0.17 acres
- Waterfront
- Yes · 50 ft
- Water view
- Yes
- Private pool
- No
- Exposure
- East
- Furnished
- Partially
- Flood zone
- X500*
- CDD
- No
- 55+ community
- No
- Annual taxes
- $4,073/yr
- Monthly fees
- $398/mo
- Listed
- May 27, 2026
- MLS #
- A4695142
Price & status history
- Listed for $405,000
- Price reduced to $350,000from $375,000
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4284 RIVER BANK WAY. 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.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$2,799
$1,770 of that is principal & interest. 37% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,770
- Property taxes
- $339
- Homeowners insurance
- $292
- Flood insurance
- $0
- HOA / condo fees
- $398
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,799
Over the life of the loan
- Loan amount
- $280,000
- Down payment
- $70,000
- Total interest
- $357,125
- Principal + interest paid
- $637,125
- 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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4284 River Bank Way, Punta Gorda, FL 33980
Listing courtesy of COLDWELL BANKER REALTY · MLS# A4695142 · 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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