320 & 324 W Ann St, Punta Gorda, FL, 33950
About This Home
Exceptional Duplex in Prime Punta Gorda – Ideal for Investors or Multi-Generational Living. For investors, this property offers immediate income potential with stable tenant in place. Whether you're looking to expand your portfolio or seeking a home with built-in rental income, this duplex is a turnkey opportunity. This well-maintained duplex is nestled in the highly desirable community of Punta Gorda. Built in 1974 on an expansive lot with city water and sewer, it features two fully updated units—each offering 2 bedrooms, 2 bathrooms, and 1,096 square feet of modern, comfortable living space. It’s an ideal setup for investors, multi-generational families, or those who want to live in one unit and rent the other. Inside, both homes boast an open-concept layout with polished concrete floors that create a clean, contemporary feel. The kitchens have been tastefully renovated—one with granite countertops and a breakfast bar, the other with quartz countertops. Both feature new shaker-style cabinetry, generous counter space, and easy flow into the dining and living areas. Sliding glass doors open to private screened lanais overlooking a spacious backyard, perfect for relaxing or entertaining. Each unit includes a large primary suite complete with a walk-in closet, single-sink vanity, walk-in shower, and linen closet. The guest bedrooms are also well-sized, with ample closet space, and each unit has a full guest bathroom. Additional conveniences include indoor laundry rooms, extended driveways, and covered carports for ample parking. Recent updates add tremendous value and peace of mind, including water heaters installed in 2018 and 2013, new washers, dryers, and refrigerators added in 2024, and a newer asphalt shingle roof from 2019. Both A/C intake boxes were replaced and systems serviced after the last storm, with no damage reported. The seller is also adding risers to elevate both A/C units. Storm shutters are included, offering added protection during hurricane season. Ideally located just minutes from historic downtown Punta Gorda, Fishermen’s Village, waterfront parks, shopping, dining, and year-round community events, this duplex is also convenient to I-75, US-41, Punta Gorda Airport, and Southwest Florida International Airport. Golfers will enjoy the close proximity to Saint Andrew’s South Golf Club. This is a truly exceptional opportunity to own a versatile, income-producing property in one of Southwest Florida’s most desirable locations. **PLEASE ENJOY THE 3D INTERACTIVE VIRTUAL TOUR ASSOCIATED WITH THIS LISTING**
Getting Around
Somewhat Walkable
Very Limited Transit
Biker's ParadiseSchools
Construction
Condition
- Year built: 1974
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Block,Stucco
Type & Style
- Home type: MultiFamily
- Property subType: Duplex,Multi Family
Interior
Appliances
- Appliances included: Microwave,Range,Refrigerator
- Laundry features: Inside,Laundry Room
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
Features
- Living Room/Dining Room Combo,Open Floorplan,Stone Counters,Walk-In Closet(s)
- Door features: Sliding Doors
- Window features: Hurricane Shutters/Windows
- Flooring: Concrete
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 3,152
- Total interior livable area: 2,192 sqft
Property
Details
- Parcel number: 412307155008
- Zoning: NR-10
- Special condition: None
Features
- Levels: One
- Stories: 1
- Exterior features: Lighting,Rain Gutters
Lot
- Lot size: 0.26 Acres
Parking
- Total spaces: 2
- Parking features: Covered,Driveway
- Covered spaces: 2
- 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
- Lightning
- Coastal Flooding
- Inland Flooding
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Charlotte County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,693 | $20,316 |
| Home Insurance * | $230 | $2,760 |
| Property Taxes | $234 | $2,808 |
| Electricity | $220 | $2,647 |
| Total | $2,377 | $28,524 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-24 | Listed for sale | $335,000 |
| 2026-03-18 | Pending sale | $335,000 |
| 2026-03-02 | Price change | $335,000 |
| 2025-12-29 | Listed for sale | $340,000 |
| 2025-12-18 | Pending sale | $340,000 |
| 2025-11-18 | Price change | $340,000 |
| 2025-06-26 | Price change | $355,000 |
| 2025-05-06 | Listed for sale | $369,000 |
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