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523 SAINT GIRONS COURT, Punta Gorda, FL, 33950

3beds
2baths
2,235sqft
$965,000
$432price/sqft
$7,154/moest. monthly cost
$286,160/yrincome needed

About This Home

Waterfront Elegance with Desirable SOUTHERN EXPOSURE! Welcome to this beautifully maintained, custom-built HEATED POOL HOME with over 2,200 SQUARE FEET of living space, PARTIALLY FURNISHED with a 3-CAR GARAGE, 80 Feet of CITY MAINTAINED SEAWALL, 2024 ROOF, and its located in the exclusive deed-restricted, golf and waterfront community of Burnt Store Isles. This sailboat-access retreat offers the ultimate Florida lifestyle with DIRECT ACCESS TO CHARLOTTE HARBOR AND THE GULF—a true paradise for boating and water enthusiasts. Entire home has Hurricane Protection including impact glass on the front facing windows. From the moment you arrive, you're greeted by impressive curb appeal featuring majestic palm trees. Inside, the expansive GREAT ROOM boasts soaring ceilings and large sliders that create a seamless flow between indoor and outdoor living. At the heart of the home is a COMPLETELY REMODELED CHEF'S KITCHEN that has a mess free clean up area for oversized cookware. It also features shaker wood, soft-close cabinetry, stainless steel appliances, stone countertops, tiled backsplash, a large counter-height breakfast bar, a built-in desk, and a cozy dinette with aquarium windows overlooking the pool. The luxurious PRIMARY SUITE offers private ACCESS TO THE POOL through elegant French and sliding glass doors, all framed with plantation shutters. It features a generous walk-in closet and a spa-like bath with a jetted soaking tub, walk-in shower, and dual vanities. A split floor plan ensures privacy for both owners and guests. The guest quarters include spacious bedrooms, with the main guest room offering direct pool access. The upgraded guest bathroom is beautifully finished with dual sinks and a walk-in shower and is conveniently located between the two guest rooms. Step outside to a sprawling screened lanai with a HEATED POOL and SPA, all overlooking the water and bathed in southern sun exposure. The covered lanai provides the perfect setting for dining, lounging, or entertaining in style. Boaters will appreciate the 15 FOOT DOCK, equipped with water and electric hook-ups, and a 10,000-POUND BOAT LIFT—ready for your next coastal adventure. Additional highlights include: • Motorized hurricane shutters on all doors and Impact glass on the front facing windows. • Fresh interior and exterior paint • Epoxy-finished garage floor • Newly resurfaced Pebble Tec pool • New pool pumps and heater • Plantation shutters throughout • Updated lighting fixtures. Located in a vibrant, active community centered around Twin Isles Country Club, enjoy access to golf, tennis, and social events (membership optional). Conveniently close to I-75, Fishermen’s Village, and historic downtown Punta Gorda, this immaculate home is ready and waiting for you to make it your own!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

8/10
4/10
5/10
Charlotte High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 2000

Materials

  • Foundation: Slab,Stem Wall
  • Roof: Tile
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Range,Refrigerator
  • Laundry features: Inside,Laundry Room

Balcony Porch Lanai

  • Level: First
  • Area: 1320
  • Dimensions: 44x30

Bathroom2

  • Level: First
  • Area: 66
  • Dimensions: 11x6

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 156
  • Dimensions: 13x12

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 204
  • Dimensions: 17x12

Bedrooms & Bathrooms

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

Dinette

  • Level: First
  • Area: 108
  • Dimensions: 12x9

Dining Room

  • Level: First
  • Area: 140
  • Dimensions: 14x10

Features

  • Built-in Features,Cathedral Ceiling(s),Ceiling Fan(s),Crown Molding,Eating Space In Kitchen,High Ceilings,Open Floorplan,Stone Counters,Walk-In Closet(s)
  • Door features: French Doors,Sliding Doors
  • Window features: Window Treatments,Hurricane Shutters,Hurricane Shutters/Windows
  • Flooring: Ceramic Tile

Great Room

  • Level: First
  • Area: 238
  • Dimensions: 17x14

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,270
  • Total interior livable area: 2,235 sqft

Kitchen

  • Level: First
  • Area: 255
  • Dimensions: 17x15

Primary Bathroom

  • Level: First
  • Area: 120
  • Dimensions: 12x10

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 272
  • Dimensions: 17x16

Property

Details

  • Parcel number: 412319479008
  • Zoning: GS-3.5
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Gunite,Heated,In Ground,Lighting,Screen Enclosure
  • Exterior features: Irrigation System,Lighting,Rain Gutters
  • Has spa: Yes
  • Spa features: Heated,In Ground
  • Has view: Yes
  • View description: Canal
  • Has water view: Yes
  • Water view: Canal
  • On waterfront: Yes
  • Waterfront features: Canal - Saltwater,Bay/Harbor Access,Saltwater Canal Access,Gulf/Ocean Access,Bridges - No Fixed Bridges,Lift,Sailboat Water,Seawall

Lot

  • Lot size: 10,212 sqft
  • Lot size dimensions: 90 x 120 x 80 x 124

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
Heat Wave
Strong Wind
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 $4,879$58,548
Home Insurance *$662$7,944
Property Taxes $1,389$16,668
Electricity $224$2,699
Total$7,154$85,848
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$245,280/yr
40% on housing$214,620/yr
45% on housing$190,773/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

$432This listing

vs Other Active Listings

Avg $/sqft

ZIP 33950$213
Charlotte County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 33950$267
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
2026-07-27Listed for sale$965,000
2026-07-16Contingent$965,000
2026-07-09Listed for sale$965,000
2026-03-13Listing removed$920,000
2026-03-10Price change$920,000
2026-02-25Price change$945,000
2026-01-30Price change$965,000
2025-12-07Price change$975,000
2025-09-26Listed for sale$1,050,000
2025-07-16Listing removed$1,050,000
2025-07-13Price change$1,050,000
2025-05-31Listed for sale$1,100,000
2022-07-01Sold$835,000
2022-06-30Listed for sale$865,000
2022-05-17Pending sale$865,000
2022-05-09Price change$865,000
2022-04-29Pending sale$899,000
2022-04-14Listed for sale$899,000
2022-04-14Pending sale$899,000
2022-04-14Listed for sale$899,000
2000-03-06Sold$95,000
1999-07-10Sold$73,500
1998-03-21Sold$60,000

For Sale by Agent

AgentTerry Morrison
BrokerageRE/MAX HARBOR REALTY

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