25275 Rampart Blvd #104 · Harbour Heights, FL 33983

$127,900

2 bd · 2.0 ba · 886 sqft · Condo public records · 168 Days on market

Built 1985 $408/mo HOA · 23% of rent

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +20.0/30.0
• 1% rule +8.6/10.0
• ARV discount +7.5/15.0
• DSCR +6.3/10.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

Key facts

• Lake views
• Hurricane shutters
• All tile floor

Tags

• LAKE VIEWS
• ALL TILE FLOOR
• IMPACT WINDOWS
• HURRICANE SHUTTERS
• NEW ROOF
• OPEN KITCHEN

Property features AI

Finance

• Other: Homestead exemption claimed
• Financial info: Lease restrictions apply
• HOA & community: Association amenities include clubhouse, pool and recreation facilities; Association fee covers pool, reserves, insurance, structure and grounds maintenance, management, pest control and recreational facilities; Monthly condo fee: $292 (quarterly fees shown as $875); Association approval required; Pets allowed (max weight 25 lbs); Total monthly fees reported: $408.33; total annual fees reported: $4,900

Exterior

• Parking: Paved access
• Utilities: Public water; Public sewer; Electricity connected; Cable available; High-speed internet available; Sewer and water connected
• Home design: Residential condominium; One level (first floor unit); Faces northwest
• Construction: Block construction; Shingle roof; Slab foundation; Built as part of a multi-unit building (Building 100)
• Exterior features: Covered front and rear porches; Porch; Rain gutters; Sidewalk; Sliding doors; Lake frontage with lake view and lake access; Fishing pier

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range
• Bedrooms: 2 bedrooms
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Open floor plan; Solid surface counters; Thermostat; Walk-in closet(s); Shutters and window treatments
• Laundry & utility: Inside laundry with washer hookup; Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $128k.

Deal economics

• At list price, monthly cash flow is $156 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $128k).
• Recommended offer: $113k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.8% vs local median 4.0% in Harbour Heights — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 64/100 on livability (#684 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, employment B; Watch: amenities F, commute F, health & safety D-.
• Charlotte (suburban): math 54% / reading 54% proficiency, ranked #22 of 73 in FL (top 30%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Deep Creek Elementary School (math 64% / reading 68%, grade B+, #492 of 2,144 statewide, top 23%, 835 students, 47% FRL); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL).
• Market conditions: Rents soft (-2.6%/yr); 553 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $884 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Charlotte County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 168 days — a 12% lower offer ($113k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 21y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 23% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $112,552 (12.0% below list)

Questions for the listing agent

1. It's been on market 168 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
8. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
9. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
10. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
11. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
12. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.36% ✓
• Cap rate: 7.76%
• Cash-on-cash: 5.24%
• DSCR: 1.23
• GRM: 6.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -12.6%
• Equity multiple: 0.56×
• Total profit: $-15,652
• Equity at exit: $19,070

10-year hold

• IRR: -11.1%
• Equity multiple: 0.45×
• Total profit: $-19,628
• Equity at exit: $11,058

Cash invested: $35,812 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33983

• Home prices YoY: -5.1%
• Rents YoY: -2.6%
• Active inventory: 553
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,746 high
• Mortgage (P&I): −$671
• Tax from tax record: −$91 /mo · $1,089/yr
• Insurance: −$53
• HOA: −$408
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $156

Break-even live

Break-even rent $1,548

Max offer price $127,900

Occupancy floor 86%

Sensitivity live

Price	-10% $229	-5% $192	+0% $156	+5% $120	+10% $84
Rent	-10% $18	-5% $87	+0% $156	+5% $225	+10% $294
Rate	-1.0pp $221	-0.5pp $189	base $156	+0.5pp $123	+1.0pp $89

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $31,975
• Closing costs: $3,837
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
25225 Rampart Blvd Punta Gorda, FL	2.0	2.0	886	$1,925	$2.17	21d	5	0.19mi
2060 Willow Hammock Cir Unit D304 Punta Gorda, FL	2.0	2.0	924	$1,600	$1.73	21d	1	0.21mi
2121 Heron Lake Dr #204 Punta Gorda, FL	2.0	2.0	996	$1,500	$1.51	21d	1	0.27mi
1499 Capricorn Blvd Port Charlotte, FL	2.0	2.0	980	$1,495	$1.53	21d	1	0.47mi
1408 Rio De Janeiro Ave Punta Gorda, FL	2.0–3.0	2.0	1078	$1,575	$1.46	14d	6	0.96mi
1356 Rio de Janeiro Ave #108 Punta Gorda, FL	2.0	2.0	1023	$1,500	$1.47	21d	1	0.96mi
1330 Rio De Janeiro Ave Unit 3 Punta Gorda, FL	2.0	2.0	1017	$1,325	$1.30	21d	1	0.97mi
1350 Rio de Janeiro Ave Unit 6C Punta Gorda, FL	2.0	2.0	1120	$1,499	$1.34	21d	1	0.97mi
26272 Rampart Blvd #107 Punta Gorda, FL	2.0	2.5	1078	$1,800	$1.67	21d	1	0.99mi
1211 Saxony Cir Unit A-1 Punta Gorda, FL	2.0	2.0	1017	$2,900	$2.85	21d	1	1.09mi
26397 Nadir Rd #204 Punta Gorda, FL	2.0	2.0	1105	$2,500	$2.26	21d	1	1.21mi
26201 Explorer Rd Unit 5 Port Charlotte, FL	2.0	1.5	850	$1,350	$1.59	21d	1	1.24mi
1416 San Cristobal Ave #3 Punta Gorda, FL	2.0	2.0	1017	$3,500	$3.44	21d	1	1.28mi
1416 San Cristobal Ave Unit 3 (C) Punta Gorda, FL	2.0	2.0	1017	$3,200	$3.15	21d	1	1.28mi
25100 Sandhill Blvd Port Charlotte, FL	2.0	2.0	860	$1,788	$2.08	21d	2	1.28mi
26172 Explorer Rd Unit 2 Port Charlotte, FL	2.0	2.0	950	$1,450	$1.53	21d	1	1.31mi
26156 Explorer Rd Punta Gorda, FL	2.0–3.0	2.0	1032	$1,450	$1.41	14d	1	1.31mi
25050 Sandhill Blvd Unit 5B1 Punta Gorda, FL	2.0	2.0	900	$1,500	$1.67	21d	1	1.35mi
26485 Rampart Blvd Punta Gorda, FL	2.0	2.0	884	$1,522	$1.72	21d	2	1.35mi
26461 Explorer Rd Punta Gorda, FL	2.0	2.0	1102	$1,412	$1.28	21d	2	1.42mi

HOA detail condo

• Monthly dues: $408 · $4,896/yr
• Likely covers: waterpoolsecurity
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 18 events

1. 2026-05-01
   status Pending

   Show marketing remark (1319 chars)

   Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

2. 2026-05-01
   status Pending 1319-char remark

   Show marketing remark (1319 chars)

   Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

3. 2026-04-23
   status Active 1319-char remark

   Show marketing remark (1319 chars)

   Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

4. 2026-04-23
   status Active

   Show marketing remark (1319 chars)

   Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

5. 2026-04-12
   status Pending 1319-char remark

   Show marketing remark (1319 chars)

   Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

6. 2026-03-05
   status Pending With Contingencies 1319-char remark

   Show marketing remark (1319 chars)

   Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

7. 2026-03-05
   status Pending

   Show marketing remark (1319 chars)

   Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

8. 2026-02-05
   price $127,900 1319-char remark

   Show marketing remark (1319 chars)

   Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

9. 2026-02-05
   price $127,900

   Show marketing remark (1319 chars)

   Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

10. 2025-12-25
    listed $137,900 Active 1319-char remark

    Show marketing remark (1319 chars)

    Gorgeous LAKE views and a short walk to the pool can be yours in this ALL TILE floor home with IMPACT windows plus hurricane shutters. Have peace of mind with a NEW ROOF in 2023. Inside, the open kitchen, great room, lanai and en suite primary bedroom take advantage of the lake view. The kitchen boasts corian countertops, a Bosch dishwasher, and a new stove (March 2025). Chat with neighbors on your 12'x5' front porch, or appreciate the serene lake on the 12'x8' screened lanai. Abundant closet space includes a walk-in closet and linen closets. The washer and dryer are tucked away inside the unit near the second bedroom. Only 116 units can use the gated pool area encompassing the large pool, sun deck, clubhouse, and restrooms. Bocce Ball and fishing piers add to the fun. The Deep Creek Golf Course is moments away. I-75 and US-41 are easily accessible to quickly arrive at the Punta Gorda Airport, Fort Myers, Sarasota, and Naples. It's no wonder that Punta Gorda has been named one of the best small cities in the Sunshine State! A harbor walk along the Peace River will delight you at every turn of the paved trail, dotted with waterfront restaurants, pickleball courts, and occasional live musical entertainment at Gilcrest Park. The Florida lifestyle is so easy and affordable to enjoy at this lovely home!

11. 2025-11-20
    price $137,900
12. 2025-09-26
    listed $144,900 Active
13. 2006-03-22
    soldstatus $121,000
14. 2006-03-16
    soldstatus $121,000 277-char remark

    Show marketing remark (277 chars)

    BEAUTIFUL LIKE-NEW 1ST FLOOR LAKEVIEW UNIT FEATURES NEW INSULATION, NEW DRYWALL, NEW CERAMIC TILE ON THE DIAGONAL IN MAIN LIVING AREAS, NEW BERBER, NEW KITCHEN COUNTERTOPS AND RAISED PANEL CABINETRY, WIDE BASTE BOARDS, CROWN MOLDING, ORNATE DOOR AND WINDOW TRIM, AND MUCH MORE!

15. 2005-07-25
    listed $124,900 277-char remark

    Show marketing remark (277 chars)

    BEAUTIFUL LIKE-NEW 1ST FLOOR LAKEVIEW UNIT FEATURES NEW INSULATION, NEW DRYWALL, NEW CERAMIC TILE ON THE DIAGONAL IN MAIN LIVING AREAS, NEW BERBER, NEW KITCHEN COUNTERTOPS AND RAISED PANEL CABINETRY, WIDE BASTE BOARDS, CROWN MOLDING, ORNATE DOOR AND WINDOW TRIM, AND MUCH MORE!

16. 2003-05-02
    soldstatus $69,000
17. 1993-06-21
    soldstatus $42,500
18. 1985-10-01
    soldstatus $39,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,089 · $91/mo
• Projected year-2 tax: $1,089 · $91/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 2/10 Low FEMA zone X (unshaded) · 5% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,947
• − Mortgage interest: −$7,164
• − Property taxes: −$1,089
• − Insurance: −$640
• − Repairs & maintenance: −$1,676
• − Management: −$1,676
• − HOA: −$4,896
• − Depreciation: −$3,721
• Taxable income: $86
• Est. tax owed @ 24.0%: −$21
• After-tax cash flow: $1,855/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Charlotte
• NCES district ID: 1200240
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 54% ▼ -1.00%
• Median HH income: $44,864
• Composite: 45.62/100
• National rank: #2586
• State rank: #22 of 73 in FL

Livability — Harbour Heights

• Score: 64/100
• State rank: #684
• US rank: #14202

Category grades

Amenities F Commute F Cost of living B Crime A+ Employment B Housing A+ Health & safety D- User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Charlotte County · 196,994 people
• Metro: Punta Gorda, FL
• Population (ZIP): 18,471
• Household income: $71,856
• Rent vs Own: 20.3% rent · 79.7% own
• Severe rent burden: 342.0

Population outlook (Charlotte County) Hauer SSP2

• Today (2025): 198,646 people
• By 2030: 210,507 · +6.0%
• By 2040: 230,857 · +16.2%
• By 2050: 247,148 · +24.4%
• By 2075: 281,777 · +41.8%
• By 2100: 293,609 · +47.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 9% Black 9% Two or more races 6% Asian 1%
• Hispanic origin (detail): Puerto Rican 3% Cuban 2%
• Common ancestry: Romanian 4% Lithuanian 3% Italian 2%
• Foreign-born: 11% · Canada, Jamaica
• Languages at home: 92% English-only · Spanish 4% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Charlotte

• 2024 margin: Solid R (+34.0) · D 32.7% · R 66.7%
• 2008→2024 swing: -26.7pp toward R · 2008: -7.2pp · 2024: -34.0pp
• All cycles: 2024: R+34.0 2020: R+26.6 2016: R+27.8 2012: R+14.3 2008: R+7.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -18.76%
• Current HPI: 346.0116
• Rent YoY: ▼ -2.57%
• Metro: Punta Gorda, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+220.6% since first listed

18 events — show timeline

• 2026-05-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-01 Pending — BEARMLS
• 2026-04-23 Relisted — BEARMLS
• 2026-04-23 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-12 Pending — BEARMLS
• 2026-03-05 Pending — BEARMLS
• 2026-03-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-05 Price Changed $127,900 BEARMLS
• 2026-02-05 Price Changed $127,900 Stellar MLS as Distributed by MLS Grid
• 2025-12-25 Listed $137,900 BEARMLS
• 2025-11-20 Price Changed $137,900 Stellar MLS as Distributed by MLS Grid
• 2025-09-26 Listed $144,900 Stellar MLS as Distributed by MLS Grid
• 2006-03-22 Sold (Public Records) $121,000 Public Records
• 2006-03-16 Sold (MLS) $121,000 Stellar MLS as Distributed by MLS Grid
• 2005-07-25 Listed $124,900 Stellar MLS as Distributed by MLS Grid
• 2003-05-02 Sold (Public Records) $69,000 Public Records
• 1993-06-21 Sold (Public Records) $42,500 Public Records
• 1985-10-01 Sold (Public Records) $39,900 Public Records

Property tax history

+4.7%/yr

Latest (2025): $1,089 · +3.4% YoY. Source: county tax records.