$649,900
Coming Soon1245 Winward Ct, Punta Gorda, FL 33950
3 beds · 2 baths · 1,748 sq ft
Listing courtesy of EXP REALTY LLC · MLS# A4710025
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Picture your mornings starting on your own dock, coffee in hand, with the boat already up on its 10,000 lb lift and Charlotte Harbor just a cruise away. This 3-bedroom, 2-bath saltwater canal pool home sits on a corner lot in Punta Gorda Isles, with Gulf access and only one fixed bridge between your backyard and open water. A 40-foot concrete seawall lines the canal, so a day of fishing, a sunset cruise, or lunch by boat is always just a few steps from the back door. Inside, the single-story layout keeps life easy and connected. An open floor plan flows from the living room straight through sliders to the lanai, so the pool and canal stay in view whether you’re hosting friends or settling in for a quiet evening. A living/dining combination and a separate dinette give you room for both relaxed breakfasts and longer dinners, and the galley kitchen comes with its closet pantry and every appliance included. New ceiling fans and plantation shutters throughout add comfort and polish, while ceramic and porcelain tile keeps things cool and low-maintenance from room to room. A split bedroom plan gives the primary suite its own quiet wing, finished with a California Closets system and a private en-suite bath. Two guest bedrooms share the second full bath on the opposite side of the home. Step outside and the home really comes into its own. The heated, private gunite pool has been resurfaced and refreshed with new decking and a new pump, all wrapped in new no-see-um screened enclosure. The covered, screened lanai stretches along the back of the house with room to dine, lounge, and watch the boats glide by, and the fenced back yard adds private green space beyond the cage. A laundry room with built-in shelving (washer and dryer stay) connects to an oversized side-entry two-car garage with plenty of room for fishing gear, kayaks, and beach chairs. The major items are already handled: a metal roof, a whole-home tankless water heater for endless hot water, a RainSoft water treatment system that conveys, and generator hookups on the side of the house. Life in Punta Gorda Isles means one of Southwest Florida’s most celebrated boating communities, with no mandatory HOA (just an optional PGI civic association at about $100 per year). Historic downtown Punta Gorda is minutes away for dining and events, along with Fishermen’s Village, the waterfront shopping, dining, and full-service marina destination on Charlotte Harbor. The Harborwalk connects it all along the water, winding through Gilchrist Park and Laishley Park past fishing piers and wide-open harbor views, perfect for a morning walk or an evening bike ride. Punta Gorda Airport and I-75 are close by, and schools include Sallie Jones Elementary, Punta Gorda Middle, and Charlotte High. Cash, conventional, FHA, and VA financing are accepted. A Gulf-access canal home with a lift, a heated pool, and the big updates done is a rare find in PGI. Schedule your private showing today.
Facts
- Property type
- Single Family Residence
- Year built
- 1974
- Living area
- 1,748 sqft
- Lot size
- 0.32 acres
- Waterfront
- Yes · 40 ft
- Water access
- Canal - Saltwater, Gulf/Ocean to Bay, Intracoastal Waterway, River
- Water view
- Yes
- Private pool
- Yes
- Exposure
- Northwest
- Furnished
- Negotiable
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $4,719/yr
- Monthly fees
- $8/mo
- Listed
- Oct 17, 2026
- MLS #
- A4710025
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 1245 WINWARD CT. 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.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$4,229
$3,286 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
- $3,286
- Property taxes
- $393
- Homeowners insurance
- $542
- Flood insurance
- $0
- HOA / condo fees
- $8
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,229
Over the life of the loan
- Loan amount
- $519,920
- Down payment
- $129,980
- Total interest
- $663,129
- Principal + interest paid
- $1,183,049
- 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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