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725 Patty Ave, Punta Gorda, FL, 33950

2beds
2baths
1,182sqft
$575,000
$486price/sqft
$4,330/moest. monthly cost
$173,200/yrincome needed

About This Home

Unique investment opportunity in the heart of Punta Gorda! This duplex property offers flexibility for both residential use and potential commercial applications with Neighborhood Center (NC) zoning. The property features two separate units being sold together—one side offering a 2-bedroom, 1-bath layout, and the other a 1-bedroom, 1-bath configuration, providing versatility for rental income, owner-occupancy, or mixed-use potential. Situated within city limits and centrally located, this property is ideal for investors, business owners, or those seeking a live/work opportunity. The NC zoning allows for a variety of uses, making this a rare find in a growing area of Punta Gorda. Whether you’re looking to expand your portfolio or explore commercial possibilities, this duplex presents strong potential and flexibility. Potential Buyers should do due diligence, check all current Punta Gorda zoning and codes as well as future planning.

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
70
BikeVery Bikeable

Schools

8/10
4/10
4/10
Charlotte High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1958

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex,Multi Family

Interior

Appliances

  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Features

  • Ceiling Fan(s),None
  • Window features: Window Treatments

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,182 sqft

Property

Details

  • Parcel number: 412306280004
  • Zoning: NC
  • Special condition: None

Features

  • Exterior features: Courtyard,Sidewalk

Lot

  • Lot size: 7,339 sqft

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 FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
Strong Wind
Wildfire
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 $2,907$34,884
Home Insurance *$395$4,740
Property Taxes $831$9,972
Electricity $197$2,366
Total$4,330$51,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,457/yr
40% on housing$129,900/yr
45% on housing$115,466/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

$486This listing

vs Other Active Listings

Avg $/sqft

ZIP 33950$214
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
2026-05-05Listed for sale$575,000
2024-12-31Sold$300,000
2024-11-27Listed for sale$300,000
2021-05-10Listing removed--
2021-04-08Price change$379,800
2021-03-23Price change$379,900
2020-12-11Listed for sale$399,900
2020-07-02Sold$250,000
2020-04-28Listed for sale$260,000
2009-11-02Sold$102,300
2003-12-23Sold$135,000

For Sale by Agent

AgentChris McMillan
BrokerageMARINA PARK REALTY LLC

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