3464 SUNSET KEY CIRCLE UNIT 103, PUNTA GORDA, FL, 33955
Active178 days on marketListed Jan 26, 2026MLS #C7520121
About this home
3464 SUNSET KEY CIRCLE UNIT 103
You will know you found paradise when you drive by the row of majestic Royal Palms leading to the gated bridge and find a picturesque peninsula boasting pleasing architecture and mature vegetation. Nestled between two marina basins, discover a place that is truly transformative. Perched on the top floor, this beautifully appointed residence offers the ultimate in condo living. A private elevator whisks you directly into your residence that boasts an unparalleled floorplan, surrounded by pleasing light and welcomes in delightful breezes. This rare and highly desirable location offers wonderful open space and tropical scenery that is sure to be enjoyed from your lanai, and through the impact resistant windows, which showcase long open views to the east and a picturesque pond below. This versatile layout is ideal for entertaining and enjoys a pleasing color palette, crown moldings, plantation shutters and luxury vinyl flooring. The crisp white kitchen is flanked by two generously sized rooms and is designed for both function and gathering, offering an expansive breakfast bar, center island, generous counter space, and pull-out shelving in all lower cabinets for easy access and organization. The custom built in bar is a wonderful addition and will add to your entertaining experience. Slide open the glass doors to the two inviting tiled lanais that seamlessly extend the living space outdoors. Here you will live amongst the tree tops as you take in the warm southern sun while watching neighborhood activity and water below the rear lanai that extends the width of your residence. Both lanai's offer new glass enclosures for year round enjoyment, while the front lanai boasts floor to ceiling screening - a great place to enjoy your morning coffee. The primary suite is a serene retreat with sliding doors to the lanai, spacious walk-in closet, and a sprawling ensuite bath featuring expansive vanity with dual sinks, glass-enclosed shower, and a relaxing jetted tub. The top floor provides for an oversized guest room with an incredible supersized walk in closet to accommodate all of your supplies. The second guest room is being used as a home office/ bedroom and also provides comfortable accommodations. A handsome updated guest bath is situated in between and offers an attractive tiled walk-in shower with a frameless glass enclosure. Additional highlights include a new HVAC system (2023), and an attached two-car garage with epoxy flooring, built-in cabinetry, and a utility sink. This three bedroom residence is available furnished with tasteful pieces—allowing you to move right in and start enjoying the lifestyle. Emerald Isle’s building exteriors were recently repainted. Residents enjoy access to two heated community pool, a scenic waterfront walking path around the point as well as. Cable TV and Internet provided by the condo association. Burnt Store Marina is a highly sought after gated resort community that offers various amenities ala carte including tennis and pickleball, fitness , golf, SW Florida’s largest deepwater marina and two on-site restaurants.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,180
Sqft
2
Garage
1997
Year built
One
Levels
$229
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,009 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,009/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.6%
$/sqft vs Punta Gorda actives
$229 vs $207
Days on market
178 vs 59 typical
Where $229/sqft sits among the 400 Punta Gorda actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Burnt Store Marina & Country Club
Get to know Punta Gorda. See the full Punta Gorda guide →
Burnt Store Marina & Country Club — neighborhood snapshot
Population
2,152
Median age
73
Median income
$104,062
Median home value
$383,986
Avg household
2
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$345K → $345K
Punta Gorda median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
179 of 400
Punta Gorda actives have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1119% above the PUNTA GORDA 33955 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 3464 SUNSET KEY CIRCLE UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$450,000
3454 S SUNSET KEY CIRCLE UNIT 103 · same community
3 bd · 2 ba · 1,991 sqft · $226/sqft · 14 DOM
Sold · Oct ’25$275,000
3228 SUNSET KEY CIRCLE UNIT 101 · same community
3 bd · 2 ba · 1,605 sqft · $171/sqft · 846 DOM
Sold · Sep ’25$280,000
3224 SUNSET KEY CIRCLE UNIT 101 · same community
3 bd · 2 ba · 1,605 sqft · $174/sqft · 175 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3464 SUNSET KEY CIRCLE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3464 SUNSET KEY CIRCLE UNIT 103 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3464 SUNSET KEY CIRCLE UNIT 103 FAQs
What would the monthly payment be for 3464 SUNSET KEY CIRCLE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,009/mo — principal and interest, the actual property-tax bill, the $138/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3464 SUNSET KEY CIRCLE UNIT 103?+
The association fee works out to $138 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3464 SUNSET KEY CIRCLE UNIT 103?+
The most recent tax bill on record (2025) was $6,565. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3464 SUNSET KEY CIRCLE UNIT 103?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Punta Gorda?+
At $499,900, this home is listed about 45% above the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 3464 SUNSET KEY CIRCLE UNIT 103?+
Mariner High School (high), Mariner Middle School (middle), Island Coast High School (high), Hector A. Cafferata Junior Elementary School (elementary), Trafalgar Elementary School (elementary), Challenger Middle School (middle), Patriot Elementary School (elementary), Skyline Elementary School (elementary), North Fort Myers High School (high), Cape Coral High School (high), Ida S. Baker High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$499,900 runs 1119% above the PUNTA GORDA 33955 median — but at 2,180 sqft it's also 27% larger than the typical Punta Gorda listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
178 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Mariner High School, Mariner Middle School, Island Coast High School, Hector A. Cafferata Junior Elementary School, Trafalgar Elementary School, Challenger Middle School, Patriot Elementary School, Skyline Elementary School, North Fort Myers High School, Cape Coral High School, Ida S. Baker High School — Challenger Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $525,000, now $499,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CALENDA REAL ESTATE GROUP,INC. · Jennifer Calenda. MLS #C7520121.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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