2139 PALM TREE DRIVE, PUNTA GORDA, FL, 33950
Active32 days on marketListed Jun 18, 2026MLS #C7527490
About this home
2139 PALM TREE DRIVE
Welcome to an extraordinary waterfront residence where timeless design, exceptional craftsmanship, and the coveted Punta Gorda lifestyle come together. Built in 2024 by West Coast Builders, this custom home offers nearly 4,400 square feet under air (4,393 sq. ft.) and has been thoughtfully designed to maximize comfort, elegance, and breathtaking harbor views. Perfectly positioned on 80 feet of direct Charlotte Harbor frontage, this sailboat-access property offers no bridges to open water, making it a dream location for avid boaters and anglers alike. From your backyard, set out for world-class fishing, leisurely cruises, waterfront dining, or adventures into the Charlotte Harbor and beyond to the Gulf of America. Inside, every detail reflects quality and sophistication. All three generously sized bedrooms feature private en-suite baths, providing comfort and privacy for family and guests. The upper-level primary retreat is a sanctuary of its own, complete with an expansive walk-in closet, elevator access, and a spacious private balcony where panoramic views of the harbor and the charming skyline of Punta Gorda create the perfect backdrop for morning coffee or spectacular sunrises. The oversized two-car garage boasts extra-high ceilings that may possibly accommodate a vehicle lift, offering flexibility for collectors or hobbyists. Throughout the home, luxury finishes, storm-rated windows, and roll-down hurricane protection provide both beauty and peace of mind. Life here extends far beyond the property lines. Residents enjoy the renowned boating culture, vibrant downtown restaurants and shops, waterfront parks, pickleball and tennis facilities, and numerous nearby golf courses that have made Punta Gorda Isles one of Southwest Florida’s most sought-after waterfront communities. This is more than a home—it's an invitation to embrace an exceptional coastal lifestyle where every day begins and ends with the beauty of the harbor.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
4,393
Sqft
0.22 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$569
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 — not generic estimates.
$17,420 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$17,420/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs PUNTA GORDA ISLES SEC 04
$569 vs $374
Days on market
32 vs 59 typical
Where $569/sqft sits among the 13 homes for sale in PUNTA GORDA ISLES SEC 04
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 Punta Gorda
Get to know Punta Gorda. See the full Punta Gorda guide →
PUNTA GORDA 33950 — neighborhood snapshot
Population
24,492
Median age
64.6
Median income
$74,484
Median home value
$393,500
Avg household
1.98
Households w/ children
1,614
For the school run
Charlotte 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)
6 of 13
PUNTA GORDA ISLES SEC 04 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 826% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 2139 PALM TREE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$1,250,000
8 OCEAN DRIVE · same community
4 bd · 3.5 ba · 4,397 sqft · $284/sqft · 113 DOM
Sold · Mar ’26$1,170,000
150 CRESCENT DRIVE · same community
3 bd · 2.5 ba · 2,893 sqft · $404/sqft · 17 DOM
Sold · Dec ’25$975,000
10 TROPICANA DRIVE · same community
3 bd · 3 ba · 2,731 sqft · $357/sqft · 17 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 2139 PALM TREE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2139 PALM TREE DRIVE — 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
2139 PALM TREE DRIVE FAQs
What would the monthly payment be for 2139 PALM TREE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $17,420/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2139 PALM TREE DRIVE?+
The most recent tax bill on record (2025) was $33,997. 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 2139 PALM TREE DRIVE?+
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 $2,500,000, this home is listed about 625% 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 2139 PALM TREE DRIVE?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · Sharon Neuhofer. MLS #C7527490.
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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