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$449,997

Active

430 Cartagena St, Punta Gorda, FL 33983

3 beds · 3 baths · 2,498 sq ft

Listing courtesy of JACK KELLER INC · MLS# TB8534149

88 days on market

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

What’s special

  • 250 mph wind-rated exterior
  • Poured concrete construction
  • Roof replaced 2023
  • Screened lanai
  • Primary suite vaulted ceilings
  • Dual walk-in closets
  • Jetted tub

AI-selected highlights from the listing description below.

Virtually Staged. Built like a fortress, styled like a showpiece. This 2007 Punta Gorda Isles home is elevated roughly 3 ft above road grade on ~100 loads of imported fill, wrapped in poured-concrete. E-Wall exterior rated to withstand 250 mph winds, with metal interior studs throughout. Peace of mind, meet curb appeal! — 2,498 sq ft, 3 bedrooms, 3 baths, and a true 3-car garage. Roof replaced in 2023. Step inside to a light-filled, open-concept living, dining, and kitchen space where 11.5-ft sliders pull back to a screened lanai. The kitchen is a showstopper: crisp white cabinetry with brass hardware (17 lowers, 20 uppers, six double drawers), two matching pantries plus a third lighted bonus pantry, room to add an island, and every appliance included. The primary suite is pure retreat — soaring 14.5-ft vaulted ceilings, surround sound, and not one but two mirrored walk-in closets, each with its own HVAC vent and lighting, plus a bonus single closet. The spa bath delivers dual sinks, a jetted tub, roll-in shower, private water closet, porcelain tile, and a chandelier overhead. Guest bedroom one brings its own HVAC-equipped mirrored walk-in closet; guest bedroom two charms with a 9-ft slider to the lanai, tray ceiling, and surround sound. The shared guest bath features a spacious 4'3" x 6'10" roll-in shower. A separate patio bath with jetted tub area and extra storage rounds things out. Chandeliers crown both the grand foyer and dining room. Move-in ready never looked this good.

Facts

Property type
Single Family Residence
Year built
2007
Bathrooms
3 full
Living area
2,498 sqft
Lot size
0.25 acres
Private pool
No
Exposure
West
Furnished
Partially
Flood zone
X500
CDD
No
55+ community
No
Annual taxes
$3,160/yr
Listed
Aug 1, 2026
MLS #
TB8534149

Virtual tour

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 430 CARTAGENA 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

$2,914

$2,275 of that is principal & interest. 22% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$2,275
Property taxes
$263
Homeowners insurance
$375
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$2,914

Over the life of the loan

Loan amount
$359,998
Down payment
$89,999
Total interest
$459,158
Principal + interest paid
$819,156
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.

430 Cartagena St, Punta Gorda, FL 33983

Listing courtesy of JACK KELLER INC · MLS# TB8534149 · Active

How would you like to see it?
Which day?
What time of day?

In person · Thu, Oct 29 · Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

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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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 28, 2026, 10:07 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. · [email protected]