3119 SUNNY HARBOR DRIVE, Punta Gorda, FL, 33982 | $129,900

TURNKEY WATERFRONT VALUE IN PELICAN HARBOR — BEAUTIFULLY REMODELED & MOVE-IN READY! Welcome to this charming canal-front home offering direct access to the Peace River, Charlotte Harbor, and the Gulf of America — all at an unbeatable price point. Thoughtfully renovated from top to bottom, this home is being sold fully furnished and equipped so you can start living the Florida lifestyle from day one.
WATERFRONT FEATURES: Enjoy the serenity of canal-front living from your private wood deck and dock — perfect for fishing, kayaking, or simply soaking in the peaceful water views. The dock includes electric and water access with no fixed bridges to open water.
MAJOR UPDATES — MOVE IN WITH CONFIDENCE: Beautifully remodeled interior with updated flooring, fresh interior paint, and modern finishes throughout. [A/C system replaced — YEAR TBD]. [Water heater replaced — YEAR TBD]. Ductwork replaced [YEAR TBD]. Spray foam insulation and vapor barrier upgrade to undercarriage [YEAR TBD — confirm for this property]. Treated for insects with professional pest control maintained. Roof reported sound and free of leaks [AGE TBD — add year when confirmed].
INTERIOR FEATURES: Light and bright open-concept living, dining, and kitchen areas. All appliances included. [Add specific appliances, countertop finishes, cabinetry details after photographer walkthrough]. Inside laundry included. Covered aluminum carport with two assigned spaces. Sold fully furnished — truly turnkey.
THE VALUE IS IN THE HOA — ONLY $175/MONTH ALL-IN: Here's what makes Pelican Harbor stand out from every other community in the area — your $175 monthly HOA fee covers water, sewer, trash, road maintenance, AND access to all community amenities. That's not a typo. Compare that to comparable SWFL 55+ communities where HOA fees routinely run $400–$700/month and utilities are separate. AMENITIES INCLUDED: Heated community pool • Remodeled clubhouse (post-Hurricane Milton) • Shuffleboard courts • Bocce ball • Horseshoe pits • FREE boat/RV/trailer storage • Active social calendar with weekly events, dinners, and activities year-round.
COMMUNITY UPGRADES: All community roads repaved (2025). Upgraded water treatment plant (2025). Professionally managed by Gateway Management Group — a well-run, financially responsible association.
PEACE OF MIND: Professional pest control maintained. Energy-efficient insulation upgrade. [Add flood insurance details and any transferrable warranties once confirmed by seller]. Association approval required — application and rental forms attached.
PELICAN HARBOR — PUNTA GORDA'S BEST-KEPT SECRET: This resident-owned, deed-restricted 55+ community sits just east of downtown Punta Gorda with easy access to Fishermen's Village, waterfront dining, the farmer's market, US-41, and I-75. About 75% of homes in the community sit on the canal or Peace River — and this one is among them.
Consider a REVERSE MORTGAGE Purchase — put down 40–50% and never make a monthly mortgage payment for as long as you live in the home. Preserve your savings, protect your lifestyle, and enjoy true financial peace of mind in paradise.
Don't miss this rare opportunity to own a fully updated, turnkey waterfront home in one of Charlotte County's most affordable and amenity-rich 55+ communities.

Features

  • Amenities: Clubhouse, Pool, Recreation Facilities
  • Rooms: 3
  • Bedrooms: 2
  • Baths: 1 full
  • Laundry: Inside
  • Year Built: 1983
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 714
  • Acreage: 0.08
  • Est. Taxes: $1,525
  • HOA Fee: $175 Monthly
  • Adult Communities: Yes
  • Water Front: Yes
  • Elem. School: Sallie Jones Elementary
  • Middle School: Punta Gorda Middle
  • High School: Charlotte High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: A4692979
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/A4692979/3119sunnyharbordrive_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 5/23/2026 1:56:32 AM)

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NMLS Mortgage Loan Originator ID 1500191

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3119 SUNNY HARBOR DRIVE, Punta Gorda, FL, 33982

$129,900

Farahnaz Matali

Sales Associate

William Raveis Real Estate

Phone: 857.334.1109

Farah.Matali@Raveis.com

Kate Rockett

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 617.281.4872

Kate.Rockett@raveis.com

NMLS Mortgage Loan Originator ID 1500191

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $103,920 $103,920 $103,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $127 $127 $127
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $640 $656 $863
Total Monthly Payment $842 $858 $1,065

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.