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$1,100,000

Active Under Contract

534 Canal Way, Punta Gorda, FL 33950

4 beds Β· 3.5 baths Β· 4,113 sq ft

Listing courtesy of CENTURY 21 SUNBELT REALTY Β· MLS# D6148552

4 days on market

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

About this home

Under contract-accepting backup offers. Virtually Staged. This Punta Gorda waterfront home combines a functional open floor plan, deep-water boating access and more than 4,100 square feet of comfortable living space. With 4 bedrooms and 3.5 baths, the layout is designed to keep everyday life simple while providing plenty of room for family, friends and overnight guests. The open main living area connects the kitchen, dining space, great room and outdoor living areas, making it easy for everyone to stay connected. The kitchen includes two large islands, granite countertops, wood cabinetry, stainless steel appliances and generous seating and prep space. Whether it is a quiet breakfast, holiday dinner or weekend gathering, the layout works well without feeling complicated or overdone. The first-floor primary suite overlooks the pool and canal and includes two walk-in closets and a private bath with a soaking tub, walk-in shower and dual sinks. Additional bedrooms provide flexibility for family, guests, a home office or hobby space. Outdoor living is a major part of this home. Step outside into the fully fenced yard where the screened lanai, heated saltwater pool and spa create an easy place to gather. Thoughtful landscaping and the placement of the outdoor living areas help provide privacy during family pool parties, cookouts and afternoons spent relaxing by the water. For boaters searching for a Punta Gorda home with deep-water access, the dock and covered 9,000-lb boat lift are just steps from the backyard. Access the water through Alligator Creek and pass Black Label Marina, the fuel dock and Riviera Bar & Grill on your way toward Charlotte Harbor and the Gulf. Having your boat at home makes fishing trips, waterfront dining and days on the water part of everyday life. The home also includes hurricane-impact windows, a metal roof, an oversized garage and 35 paid Tesla solar panels for added energy efficiency. There is no HOA and no deed restrictions! Located near historic downtown Punta Gorda, marinas, waterfront dining, parks, shopping and entertainment, this home offers many of the features buyers look for in Southwest Florida waterfront property: an open floor plan, private pool, fenced yard, deep-water access, private boat lift, solar power and plenty of room to gather. If you are looking for a Punta Gorda waterfront home where boating, entertaining and everyday living are easy, this home brings those pieces together in one comfortable and functional property.

Facts

Property type
Single Family Residence
Year built
2007
Bathrooms
3 full, 1 half
Living area
4,113 sqft
Lot size
0.27 acres
Waterfront
Yes Β· 247 ft
Water access
Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay
Water view
Yes
Private pool
Yes
Exposure
East
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$12,128/yr
Listed
Aug 27, 2026
MLS #
D6148552

Price & status history

  1. Listed for $1,100,000
  2. Status changed to Active Under Contract

Estimate the monthly payment

Estimate by Lasbury Tracy Realty β€” not a loan offer

Starting figures for 534 CANAL 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 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; 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 β€” your down payment is 20% or more.

Estimated total monthly payment

$7,490

$5,562 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
$5,562
Property taxes
$1,011
Homeowners insurance
$917
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$7,490

Over the life of the loan

Loan amount
$880,000
Down payment
$220,000
Total interest
$1,122,391
Principal + interest paid
$2,002,391
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€” 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 β€” a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

534 Canal Way, Punta Gorda, FL 33950

Listing courtesy of CENTURY 21 SUNBELT REALTY Β· MLS# D6148552 Β· Active Under Contract

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

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

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

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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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, 9:51 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. Β· [email protected]