1128 RUM CAY COURT, Punta Gorda, FL, 33950 | $550,000

Spacious WATERFRONT 3 Bedroom, 2 Bathroom home with attached 2 Car Garage located in the desirable deed restricted community of PUNTA GORDA ISLES. **Boating access to Charlotte Harbor and on to the Gulf of Mexico** This light and bright home offers a Great Room, Dining Room, well equipped Kitchen, Inside Laundry Room and screened Lanai. The Great Room offers high ceilings, tile floor and sliding glass doors to the Lanai. The Dining Room has a large window, plant shelves and vaulted ceiling. The Kitchen features a granite counter, tile backsplash, wood cabinets, double sink, breakfast bar, dining area. Appliances include double door refrigerator, oven /range with exhaust fan, built in oven, dishwasher, disposal. The large Master Bedroom suite offers Lanai access via sliding glass doors, custom walk in closet and private bathroom with his and hers sinks, jetted garden tub and walk in shower. There are two additional generous sized guest bedrooms one with Lanai access and the other with a custom walk in closet. The guest bathroom has a tub/shower combo. Your living space extends via pocket sliding glass doors to the screened Lanai with covered area, plenty of deck for sunbathing, inground pool and closet for your pool equipment. Continue to the waterfront with concrete dock and 44 foot CONCRETE SEAWALL maintained by the city of Punta Gorda. Other features include : double door entry, rain gutters, hurricane shutters, circular driveway. Punta Gorda Isles has deed restrictions but NO HOA. Utilities are city water and sewer. This home is 5 minutes to Fishermen's Village and historic downtown Punta Gorda shopping, dining, medical care, waterfront parks, boat ramps, art galleries. walking and biking paths, weekend farmer and artison markets. Charlotte Harbor Event Center, weekend events and more!

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 120 x 136 x 44 x 120
  • Laundry: Inside, Laundry Room
  • Style: Florida
  • Year Built: 1994
  • Garage: 2-car Circular Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,055
  • Acreage: 0.23
  • Lot Size: 120 x 136 x 44 x 120
  • Est. Taxes: $4,909
  • Lot Desc: FloodZone, City Lot, Landscaped, Near Golf Course, Street Dead-End
  • View: Pool, Water
  • Elem. School: Sallie Jones Elementary
  • Middle School: Punta Gorda Middle
  • High School: Charlotte High
  • Pool: Gunite, In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Range, Range Hood, Refrigerator, Washer
  • MLS#: C7511242
  • Days on Market: 206 days
  • Website: https://www.raveis.com
    /prop/C7511242/1128rumcaycourt_puntagorda_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/12/2026 10:47:08 PM)
Listing courtesy of RE/MAX ALLIANCE GROUP   Phone: 941-639-1376

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

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1128 RUM CAY COURT, Punta Gorda, FL, 33950

$550,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $440,000 $440,000 $440,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.322% 6.144% 5.415%
Monthly Tax Payment $409 $409 $409
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,533 $2,635 $3,508
Total Monthly Payment $3,034 $3,136 $4,009

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.