$625,000
Coming Soon4045 Turtle Dove Cir, Punta Gorda, FL 33950
4 beds · 3 baths · 2,484 sq ft
Listing courtesy of RE/MAX PALM REALTY · MLS# C7531271
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
*** Quick Gulf Access *** Discover the Florida waterfront lifestyle in this highly desirable Punta Gorda waterfront neighborhood! This spacious 4-bedroom, 2 1/2 bath home sought-after sailboat access with no fixed bridges, making it an exceptional opportunity for boating enthusiasts looking to enjoy life on the water. The thoughtfully designed split-bedroom floor plan provides added privacy for homeowners and guests, while tile flooring throughout offers a clean, cohesive look and easy maintenance. The kitchen offers plenty of storage, a spacious pantry, and a beautiful view of the water, making it both functional and the home has a separate laundry room with an additional refrigerator provides extra convenience and storage.Step outside and embrace the best of Florida living with beautiful waterfront views, a screened-in pool enclosure, paved lanai and a seawall maintained by the City of Punta Gorda. Enjoy fishing from your own backyard, kayaking along the waterways, or simply relaxing while taking in the surrounding wildlife and peaceful waterfront setting. For added peace of mind, the home features accordion and transparent hurricane shutters. A separate laundry room with an additional refrigerator provides extra convenience and storage. The location is hard to beat! Enjoy being less than 10 minutes from Fishermen’s Village and historic downtown Punta Gorda, where you’ll find shopping, restaurants, entertainment, and year-round activities. Golf enthusiasts will appreciate being less than 5 minutes from St. Andrews Golf Club. Whether you're an avid boater, a golf enthusiast, or simply looking to enjoy the relaxed Southwest Florida lifestyle, this waterfront property offers an outstanding combination of location, space, and recreation.
Facts
- Property type
- Single Family Residence
- Year built
- 1988
- Living area
- 2,484 sqft
- Lot size
- 0.26 acres
- Waterfront
- Yes · 30 ft
- Water access
- Canal - Brackish, Canal - Saltwater, Gulf/Ocean, Intracoastal Waterway
- Water view
- Yes
- Private pool
- Yes
- Exposure
- Southwest
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $6,715/yr
- Listed
- Oct 24, 2026
- MLS #
- C7531271
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4045 TURTLE DOVE CIR. 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
$4,241
$3,160 of that is principal & interest. 25% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $3,160
- Property taxes
- $560
- Homeowners insurance
- $521
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,241
Over the life of the loan
- Loan amount
- $500,000
- Down payment
- $125,000
- Total interest
- $637,722
- Principal + interest paid
- $1,137,722
- 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.
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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