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Water defines the experience from the first glance to the final sunset. With swift, DIRECT sailboat access to Charlotte Harbor and the open Gulf beyond, this waterfront residence offers effortless boating paired with a thoughtfully upgraded living environment within the desirable Punta Gorda Isles community. The home features 3 bedrooms, 3. 5 baths, and a versatile loft or bonus room in an open, split-bedroom main floor layout that feels both expansive and inviting. Brazilian cherry hardwood floors in the master and loft, a fully refreshed interior, and custom plantation shutters establish a timeless aesthetic, while natural light fills the great room with its volume ceilings, gas fireplace, and expansive sliders opening seamlessly to the lanai. The kitchen blends beauty and function with a five-burner gas cooktop, under-counter wine chiller, generous cabinetry, and a buried 500-gallon propane tank supporting indoor and outdoor features. The primary suite is privately positioned on the main level with direct lanai access, a spacious custom California closet, and a well-appointed bath retreat. Two additional guest bedrooms are also located on the main floor, including one with an en-suite bath and lanai access, offering comfort and privacy for family or visitors. Upstairs, a versatile loft-style space with a convenient half bath opens to a private balcony with elevated water views, making it ideal for a home office, media lounge, or flexible retreat. Outdoor living is a destination of its own, highlighted by a heated pool and spa professionally resurfaced with Pebble Tec in 2024 and enhanced with full automation, waterfalls, fire bowls, and sculptural water features. The screened lanai is designed for effortless entertaining with ambient party lighting, ceiling fan and light combinations, and a fully equipped outdoor kitchen featuring granite countertops, a Coyote grill, dual propane burners, refrigerator, and roof-vented hood. Along the water, a concrete dock constructed in 2023 provides shore power, fresh water, and exceptional functionality, including two boat lifts replaced in 2023 and rated at 12, 000 and 6, 000 pounds, along with an additional lift for a kayak or small craft, making quick harbor access (2 minutes to open water) part of everyday life. Additional improvements include two new air conditioning units (installed 2020), a standing-seam metal roof (2023), professional landscaping enhancements in 2024, 2024 Whirlpool, impact-rated doors, Bahama shutters, a motorized front porch sunshade, updated exterior lighting, and an oversized two-car garage with epoxy flooring, custom cabinetry, and extended storage. Dual-zone climate control, multiple water heaters, owned security equipment, and electronic shade and locking systems complete this home, which is shaped by intention, elevated by its setting, and designed for a lifestyle that values both ease and excellence.
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Our Executive Mortgage Banker:
Our Insurance Division:
$1,750,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,400,000 | $1,400,000 | $1,400,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.750% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.069% | 5.858% | 5.787% |
| Monthly Tax Payment | $1,358 | $1,358 | $1,358 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,731 | $8,170 | $11,532 |
| Total Monthly Payment | $9,214 | $9,653 | $13,015 |
* 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.