$449,000
Active638 Andros Ct, Punta Gorda, FL 33950
2 beds · 2 baths · 1,286 sq ft
Listing courtesy of REALTY HUB · MLS# C7532448
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Welcome to effortless Punta Gorda waterfront living - an ideal winter getaway or a refreshing transition from condo life, with no HOA fee. Set on a very wide canal with a private backyard, this renovated home offers powerboast access to Charlotte Harbor in under 10 minutes, plus the convenience of walking or biking to Fishermen's Village for waterfront dining and boutique shopping. Enjoy wide canal views from every room, a 45-foot dock, 13,500 pound boat lift, impact-resistant windows and doors, and a resurfaced, heated pool. Porcelain tile flows through the main living areas and primary en suite, which features a spaciious walk-in shower. The kitchen offers quartz countertops and newer appliances, while additonal updates include gutters arount the home and ceiling fans in every room. A generous great room opens to the spacious lanai, creating an easy indoor-outdoor flow for gatherings with family and friends. The newer pool deck with Shellrock pavers adds style to the outdoor living space. Start the morning with coffee on your lanai while watching the sunrise and unwind there, by the pool, in the evening. All furniture is included, making this an exceptional opportunity to enjoy Punta Gorda's relaxed waterfront lifestyle.
Facts
- Property type
- Single Family Residence
- Year built
- 1981
- Living area
- 1,286 sqft
- Lot size
- 0.22 acres
- Waterfront
- Yes · 160 ft
- Water access
- Bay/Harbor, Canal - Saltwater, Gulf/Ocean, River
- Water view
- Yes
- Private pool
- Yes
- Exposure
- West
- Furnished
- Furnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $8,936/yr
- Listed
- Oct 26, 2026
- MLS #
- C7532448
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 638 ANDROS 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.
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
$3,389
$2,270 of that is principal & interest. 33% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,270
- Property taxes
- $745
- Homeowners insurance
- $374
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,389
Over the life of the loan
- Loan amount
- $359,200
- Down payment
- $89,800
- Total interest
- $458,140
- Principal + interest paid
- $817,340
- 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
Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.
638 Andros Ct, Punta Gorda, FL 33950
Listing courtesy of REALTY HUB · MLS# C7532448 · 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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