640 PALM AVENUE, Punta Gorda, FL, 33950 | $534,000

Welcome to 640 Palm Avenue-a custom home built in 2020 by West Coast Builders, with 3 bedrooms and 2 bathrooms, a very large 2 vehicle garage with workshop on an oversized corner lot in the heart of the Historic District of downtown Punta Gorda, close to waterfront parks, tennis and pickleball courts, restaurants, weekly farmer's markets, and Fishermen's Village. This home has highly elevated block construction, full hurricane impact windows, and metal roof, easily assuring no damage from recent floods and storms. With 1, 686 sq ft of living space and an expansive 8, 200 sq ft corner lot, this property offers plenty of room to entertain, garden, and enjoy Florida at its best. Step inside to an open and welcoming layout featuring a seamless living room, dining room, and kitchen combination enhanced by warm wood-look tile flooring throughout. The kitchen has attractive granite countertops, stainless steel appliances, custom cabinetry, a spacious island, and generous pantry-perfect for those who love to cook and entertain. Two additional storage closets line the hallway, adding valuable space that enhances organization. A dedicated laundry room with a washer (and dryer hookup) and upper cabinets, provide extra functionality. Outdoor living is equally impressive, highlighted by a screened lanai with 90-degrees sliders that allow a seamless indoor-outdoor experience. The master suite, a peaceful sanctuary overlooking the beautiful backyard, features a large walk-in closet and a spa-like bathroom thoughtfully designed with a walk-in shower, granite vanity, white cabinetry, and built-in storage. The second bedroom can be used as a private guest suite having its own closet and bathroom, while the brightly illuminated third bedroom can function additionally as a quiet den. Just 7 steps down from the laundry, the attached 820 sq ft garage/workshop opens to an outdoor shower near convenient stairs up to the lanai and also beyond to the partially-fenced backyard with its lovingly curated, lush landscaping of four mulberry trees, six mangoes, and other trees and bushes, along with raised beds for edible plants-for those who enjoy gardening or simply being surrounded by nature. With its generous size, the backyard offers ample room to add a pool, allowing you to design your own outdoor oasis. Additional features include the garage/workshop area with epoxy-coated flooring, plentiful shelving, a utility sink and a toilet. Blown-in under-roof insulation improves energy efficiency. This custom home by West Coast Builders is set among sidewalks and classic brick-paved streets that give the neighborhood its timeless character. Thoughtfully upgraded, meticulously and lovingly cared for, and filled with warmth, this Punta Gorda home is ready to welcome its next owner.

Features

  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 60 x 134
  • Laundry: Laundry Room
  • Style: Elevated, Key West
  • Year Built: 2020
  • Garage: 2-car Driveway, Garage Door Opener, Workshop in Garage
  • Heating: Other
  • Cooling: Other
  • Approx Sq. Feet: 1,686
  • Acreage: 0.18
  • Lot Size: 60 x 134
  • Est. Taxes: $2,849
  • Lot Desc: Cleared, Corner Lot, Historic District, Sidewalk
  • Elem. School: Sallie Jones Elementary
  • Middle School: Punta Gorda Middle
  • High School: Charlotte High
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Cooktop, Dishwasher, Disposal, Refrigerator, Washer
  • MLS#: C7517687
  • Days on Market: 46 days
  • Website: https://www.raveis.com
    /prop/C7517687/640palmavenue_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 1/11/2026 4:17:08 PM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

William Raveis Family of Services

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

640 PALM AVENUE, Punta Gorda, FL, 33950

$534,000

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 $427,200 $427,200 $427,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.132% 5.415%
Monthly Tax Payment $237 $237 $237
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,426 $2,559 $3,406
Total Monthly Payment $2,755 $2,888 $3,735

* 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.