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2424 HARBOUR DRIVE, Punta Gorda, FL, 33983

3beds
2baths
3,401sqft
$1,450,000
$426price/sqft
$10,697/moest. monthly cost
$427,880/yrincome needed

About This Home

Modern waterfront luxury with DIRECT BOATING ACCESS a PRIVATE RESORT-STYLE ESTATE in Harbour Heights and ADDITIONAL BUILDABLE RESIDENTIAL LOT for GUEST HOME or GARAGE! Positioned on a rare EXTENDED-DEPTH WATERFRONT HOMESITE providing exceptional privacy and outdoor living space overlooking the Peace River and Whidden Bay, this extensively upgraded custom residence delivers the perfect balance of modern design, structural improvements, and true Florida waterfront living. SAVE THOUSANDS EVERY YEAR WITH THIS HOMES $2500YR TRANSFERABLE FLOOD POLICY! Featuring NEW 2023 HURRICANE-IMPACT SLIDERS AND WINDOWS, NEW METAL ROOF (2026 & 2023), THREE NEW A/C SYSTEMS WITH 3-ZONE CLIMATE CONTROL (2024, 2019 & 2019), SMART THERMOSTATS, and NEW SEPTIC SYSTEM (2025), WHOLE-HOUSE UV WATER SOFTENER, IN-CEILING SPEAKERS (ZONED), and HARDWIRED SECURITY CAMERAS W/ AUDIO offering long-term confidence for waterfront ownership. Inside, the home showcases a thoughtfully designed layout filled with custom details and hidden architectural elements. The living room centers around a CUSTOM FEATURE WALL WITH BUILT-IN FIREPLACE, while a CONCEALED BOOKSHELF ENTRANCE reveals the private stairwell onward to the primary suite, complete w/ MOTION-SENSOR STAIR LIGHTING. The GOURMET KITCHEN was designed for everyday luxury and entertaining, featuring QUARTZ COUNTERTOPS, CUSTOM SOFT-CLOSE CABINETRY, BUILT-IN PANTRY AND BREAD DRAWERS, DEDICATED CUTLERY STORAGE, AUTOMATIC TRASH SYSTEM, and expansive island seating with open flow to living spaces. The PRIMARY SUITE serves as a true retreat, offering elevated views across the Peace River and Whidden Bay, a SPA-STYLE EN-SUITE BATH with double vanity, oversized soaking tub, MULTI-HEAD WALK-IN SHOWER, and a remarkable 15’ x 13’ KRAFTMAID CUSTOM WALK-IN CLOSET and PRIVATE WASHER/DRYER. Modern living continues with a HARDWIRED REOLINK SECURITY SYSTEM WITH AUDIO and IN-CEILING SPEAKERS throughout the living areas, upstairs, and balcony allowing music to be played individually by zone or synchronized throughout the home and outdoor spaces. Enjoy OVER 1,000 SQ FT OF COVERED EXTERIOR LIVING SPACE connecting indoor and outdoor entertaining areas. The HEATED SALTWATER POOL overlooks tropical landscaping, while paver walkways wrap around the home and extend to the waterfront. The backyard is designed as a private coastal retreat featuring a PERGOLA WITH METAL ROOF AND IN-GROUND FIREPIT, ROYAL, COCONUT, CHRISTMAS, AND ALEXANDER PALMS, producing fruit trees including mango, cherry, olive, lime, lemon, and guava, ST. AUGUSTINE CITRABLUE LAWN WITH AUTOMATIC IRRIGATION, and expansive yard space rarely found on waterfront properties. Boating enthusiasts will appreciate the TREX-DECK DOCK SYSTEM with U-SHAPED ACCESS surrounding the COVERED BOAT LIFT, plus a FLOATING DOCK DESIGNED FOR TWO JET SKIS providing effortless access to open water adventures. While the home includes a 1.5-car garage, it is complemented by a DEEP TANDEM TWO-CAR CARPORT W/ EPOXY FLOORING accommodating full-size trucks, additional vehicles, or RV parking offering flexibility rarely available in waterfront homes. Located in peaceful Harbour Heights near the PUBLIC BOAT RAMP, PARK, PLAYGROUND, Punta Gorda, I-75, dining, and Gulf boating beyond. A rare opportunity to own a FULLY UPGRADED, MOVE-IN-READY WATERFRONT ESTATE combining modern innovation, privacy, and resort-style living in one of Southwest Florida’s hidden gems. COME EXPERIENCE THIS WATERFRONT HOME IN PERSON.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

8/10
4/10
5/10
Charlotte High SchoolGrades 9-125.2 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Block,Stucco,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Kitchen Reverse Osmosis System,Microwave,Range,Refrigerator,Washer,Water Filtration System,Whole House R.O. System
  • Laundry features: Inside,Laundry Closet,Laundry Room

Balcony Porch Lanai

  • Level: First
  • Area: 500
  • Dimensions: 50x10

Balcony Porch Lanai

  • Level: Second
  • Area: 500
  • Dimensions: 50x10

Bathroom2

  • Features: Dual Sinks,Exhaust Fan,Granite Counters
  • Level: First
  • Area: 103.5
  • Dimensions: 11.5x9

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 201.25
  • Dimensions: 17.5x11.5

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 168
  • Dimensions: 14x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dinette

  • Level: First
  • Area: 84
  • Dimensions: 12x7

Dining Room

  • Level: First
  • Area: 225
  • Dimensions: 18x12.5

Family Room

  • Level: First
  • Area: 550
  • Dimensions: 25x22

Features

  • Ceiling Fan(s),PrimaryBedroom Upstairs,Split Bedroom,Stone Counters,Thermostat,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Window Treatments
  • Flooring: Porcelain Tile
  • Fireplace features: Electric,Living Room,Master Bedroom
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,200
  • Total interior livable area: 3,401 sqft

Kitchen

  • Features: Breakfast Bar,Kitchen Island,Pantry,Stone Counters,Tall Countertops
  • Level: First
  • Area: 266
  • Dimensions: 19x14

Laundry

  • Level: First
  • Area: 60
  • Dimensions: 8x7.5

Living Room

  • Features: Bar,Ceiling Fan(s)
  • Level: First
  • Area: 380
  • Dimensions: 20x19

Primary Bathroom

  • Features: Built-In Shower Bench,Dual Sinks,Exhaust Fan,Granite Counters,Multiple Shower Heads,Rain Shower Head,Tub with Separate Shower Stall
  • Level: Second
  • Area: 168
  • Dimensions: 14x12

Primary Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Walk-In Closet(s)
  • Level: Second
  • Area: 636.5
  • Dimensions: 33.5x19

Property

Details

  • Parcel number: 402315404012
  • Zoning: RSF3.5
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: Gunite,Heated,In Ground,Lighting,Salt Water,Screen Enclosure
  • Patio & porch: Patio,Screened
  • Exterior features: Fire Pit,Lighting,Private Mailbox
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Pool,Water,Bay/Harbor - Full,River
  • Has water view: Yes
  • Water view: Water,Bay/Harbor - Full,River
  • On waterfront: Yes
  • Waterfront features: Bay/Harbor,River Front,Bay/Harbor Access,Gulf/Ocean Access,River Access,Lift - Covered,Minimum Wake Zone,Sailboat Water,Seawall
  • Waterbody name: PEACE RIVER
  • Residential vegetation: Fruit Trees,Mature Landscaping,Trees/Landscaped

Lot

  • Lot size: 0.67 Acres
  • Features: Flood Insurance Required,In County,Key Lot,Landscaped,Oversized Lot
  • Lot size dimensions: 96.35 x 200 x 92 x 190

Parking

  • Total spaces: 3
  • Parking features: Driveway,Garage Door Opener,Golf Cart Parking,Ground Level,Parking Pad,RV Carport
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 3
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Lightning
Tsunami

FEMA Declared Disasters in Charlotte County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,331$87,972
Home Insurance *$1,131$13,572
Property Taxes $1,893$22,716
Electricity $342$4,107
Total$10,697$128,364
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$366,754/yr
40% on housing$320,910/yr
45% on housing$285,253/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.9%
13.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.7%
4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$426This listing

vs Other Active Listings

Avg $/sqft

ZIP 33983$155
Charlotte County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 33983$171
Charlotte County$188

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-19Listed for sale$1,450,000
2021-05-21Sold$702,000
2021-04-09Pending sale$725,000
2021-03-03Price change$725,000
2021-01-16Listed for sale$699,000
2017-06-06Sold$380,000
2017-04-12Price change$449,000
2017-04-11Listed for sale$499,000
2017-04-11Pending sale$499,000
2017-02-07Listed for sale$499,000

For Sale by Agent

AgentNick Demers
BrokerageRE/MAX PALM REALTY

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