$899,000
Active1020 Via Formia, Punta Gorda, FL 33950
3 beds Β· 2 baths Β· 2,235 sq ft
Listing courtesy of RE/MAX HARBOR REALTY Β· MLS# C7526465
131 days on market
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Whatβs special
- Canal waterfront views
- Zero edge pocket sliders
- Quartz island
- Italian oven
- Wine cooler
- Jacuzzi soaking tub
- Pool and lanai
- Concrete dock
AI-selected highlights from the listing description below.
As the sun begins to set over the canal, this exceptional FERO built waterfront residence transforms into a private coastal retreat designed for elegant living and unforgettable entertaining. Nestled within the powerboat section of Punta Gorda Isles, the home captures the beauty of Southwest Florida living with breathtaking water views, seamless indoor outdoor flow, and luxurious designer finishes throughout. Soaring stepped ceilings, crown molding, tile flooring, and expansive zero edge pocket sliders create an atmosphere that feels both grand and inviting, while natural light pours into every thoughtfully designed space. At the center of the home, the gourmet kitchen serves as both a showpiece and gathering place, anchored by a dramatic 5x9 single slab quartz island and surrounded by upgraded custom cabinetry and a suite of top tier appliances including an Italian oven, smart refrigerator, drawer microwave, wine cooler, and farmhouse sinks in both the kitchen and laundry room. A panoramic bay window frames tranquil canal views, bringing the outdoors into everyday living and dining spaces designed for effortless entertaining and relaxed waterfront living. Privately tucked away, the primary suite offers a serene escape with direct access to the lanai, expansive walk in closet with custom built ins, and a spa inspired ensuite featuring dual vanities, a jacuzzi soaking tub, and an oversized walk in shower with pocket sliders to the laundry room from the closet. Two guest bedrooms provide inviting accommodations for family and visitors, each thoughtfully designed to reflect the homeβs refined yet comfortable atmosphere. Outside, the expansive lanai becomes the true heart of the home as glowing sunset skies reflect across the water and create an unforgettable backdrop for evenings spent poolside. The outdoor living area features a sparkling pool, an outdoor kitchen with upgraded grill and refrigerator, and panoramic unobstructed canal views that elevate every moment. Boating enthusiasts will appreciate the 30 foot concrete dock and 10,000 pound boat lift with new motors and cables, offering quick access to Charlotte Harbor and an easy ten minute cruise to Fishermanβs Village. Complete with updated lighting, a 2023 roof, and pristine move in ready condition, this extraordinary residence embodies sophisticated waterfront living at its finest.
Facts
- Property type
- Single Family Residence
- Year built
- 2001
- Living area
- 2,235 sqft
- Lot size
- 0.22 acres
- Waterfront
- Yes Β· 82 ft
- Water access
- Bay/Harbor, Canal - Brackish, Canal - Saltwater, Gulf/Ocean, River
- Water view
- Yes
- Private pool
- Yes
- Exposure
- Southeast
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $12,882/yr
- Listed
- 2026-05-22
- MLS #
- C7526465
Price & status history
- Listed for $950,000
- Price reduced to $899,000from $925,000
Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 1020 VIA FORMIA. 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
$6,368
$4,546 of that is principal & interest. 29% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $4,546
- Property taxes
- $1,074
- Homeowners insurance
- $749
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $6,368
Over the life of the loan
- Loan amount
- $719,200
- Down payment
- $179,800
- Total interest
- $917,300
- Principal + interest paid
- $1,636,500
- 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
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1020 Via Formia, Punta Gorda, FL 33950
Listing courtesy of RE/MAX HARBOR REALTY Β· MLS# C7526465 Β· Active
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.



