$449,997
Active430 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 offerStarting 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
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430 Cartagena St, Punta Gorda, FL 33983
Listing courtesy of JACK KELLER INC · MLS# TB8534149 · 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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