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Nestled on an oversized lot in the highly sought-after Ridge Harbor community of Punta Gorda, this beautifully maintained 3-bedroom, 2-bath home offers 1, 416 square feet of inviting living space and the perfect blend of comfort, privacy, and relaxed Florida living. Surrounded by mature trees and attractive landscaping, the property provides exceptional outdoor space with plenty of room for recreation, entertaining, and convenient boat or RV parking. Adding tremendous value and peace of mind, the home has been extensively updated, including a new roof, electrical system, A/C, above-ground pool, and electric pool service—all completed in 2021. Electric panel wired for generator. The interior was freshly repainted in June, and new mulch enhances the curb appeal, creating a move-in-ready opportunity for its next owner. Enjoy sunny Florida days lounging by the pool, hosting gatherings in the expansive backyard, or simply taking in the peaceful surroundings. The generous lot size and tranquil setting create a private retreat while remaining conveniently close to everything Punta Gorda has to offer. Inside, an open-concept floor plan welcomes you with abundant natural light and a seamless flow between the living room, dining area, and kitchen. Wood-look laminate flooring and a neutral color palette enhance the bright, airy atmosphere throughout the main living spaces. The well-appointed kitchen offers ample cabinet and countertop space, making meal preparation both efficient and enjoyable. Warm wood cabinetry, stainless-steel appliances, and durable flooring create a functional and inviting workspace. Open to the living and dining areas, the kitchen serves as the heart of the home, allowing for effortless interaction with family and guests while entertaining. Conveniently located just off the kitchen, the laundry room provides direct access to the attached garage, with both areas offering excellent storage for tools, seasonal items, and everyday essentials. Sliding glass doors lead to a bright enclosed porch overlooking the backyard and pool area. This versatile space is ideal for morning coffee, afternoon relaxation, or evening gatherings, offering year-round enjoyment of Florida's beautiful weather and peaceful views. The home features three comfortable bedrooms, each with generous closet space and cozy carpeting. The spacious primary suite includes a private en-suite bathroom with a walk-in shower, while two additional guest bedrooms share a well-appointed full bath, providing a practical layout for family living or visiting guests. Ridge Harbor is a hidden gem offering flexibility and affordability with a voluntary HOA and minimal annual dues of just $25 for individuals or $35 for families. Best of all, there are no deed restrictions, allowing homeowners the freedom to fully enjoy their property. Outdoor enthusiasts will appreciate access to the private community boat ramp on Shell Creek for only $10 with a marina key, providing direct access to the Peace River and Charlotte Harbor for boating, fishing, and exploring Southwest Florida's waterways. As an added bonus, this property is located outside of a flood zone, which may offer substantial savings on insurance costs. With major systems already updated and recent cosmetic improvements completed, all that's left to do is move in and start enjoying the Florida lifestyle.
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Our Executive Mortgage Banker:
Our Insurance Division:
$249,900
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $199,920 | $199,920 | $199,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.615% | 5.952% |
| Monthly Tax Payment | $237 | $237 | $237 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,197 | $1,262 | $1,660 |
| Total Monthly Payment | $1,508 | $1,573 | $1,971 |
* 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.