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12 Freeman Ave Lot 86, Punta Gorda, FL, 33950

--beds
0baths
--sqft
$60,000
--price/sqft
$582/moest. monthly cost
$23,280/yrincome needed

About This Home

Discover the perfect opportunity to craft your dream Florida lifestyle in the vibrant, resident-owned 55+ community of Windmill Village in Punta Gorda. This vacant lot serves as your ready-to-build blank canvas in one of Southwest Florida's most sought-after active adult waterfront communities, with direct access to Charlotte Harbor for effortless boating adventures, sunset cruises, or quick trips to the Gulf. Windmill Village offers an abundance of amenities designed for an engaging, social retirement: two private marinas with a boat ramp, a sparkling heated pool with a pavilion for gatherings, shuffleboard, bocce ball, horseshoes, indoor pickleball, billiards, cornhole, and a large community center hosting bingo nights, clubs, and year-round events tailored to diverse hobbies. The lot is already cleared and leveled, primed for your custom manufactured home, and the low monthly HOA fee (around $256) covers essential perks like water, sewer, trash pickup, common area maintenance, and road upkeep—delivering true hassle-free living. Note that the purchase price excludes a one-time $18,285 Buy-In Share and Bond, which is fully refunded upon resale. Conveniently located just minutes from historic downtown Punta Gorda—famed for its charming shops, waterfront dining, weekly farmers markets, and live entertainment—you're also a short drive from award-winning Gulf Coast beaches for relaxing day trips or getaways. Punta Gorda has earned accolades as a top small place to live, including recognition from Money Magazine and Forbes for its quality of life and appeal. Whether envisioning a seasonal retreat or a permanent paradise, this lot in a welcoming, well-maintained, gated neighborhood provides the ideal setting to build and enjoy an active, vacation-like every day. Don't miss your chance to secure a slice of Southwest Florida heaven in Windmill Village! Note: This lot is now vacant with no home on it.

Getting Around

23
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

8/10
4/10
4/10
Charlotte High SchoolGrades 9-121.9 mi

Construction

Type & Style

  • Home type: Cooperative
  • Property subType: Stock Cooperative,Unimproved Land

Property

Details

  • Parcel number: 412319203917
  • Zoning: MHP
  • Special condition: None

Features

  • Exterior features: Boat Slip
  • Waterfront features: Brackish Canal Access,Creek Access,No Wake Zone

Lot

  • Lot size: 4,559 sqft
  • Lot size dimensions: 84 x 56

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
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
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 $303$3,636
Home Insurance *$41$492
Property Taxes $41$492
Electricity $197$2,366
Total$582$6,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$19,954/yr
40% on housing$17,460/yr
45% on housing$15,520/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 33950$217
Charlotte County$200

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)

No zestimate history available

Price History

DateEventPrice
2026-03-10Listed for sale$60,000

For Sale by Agent

AgentWendy Decker
BrokerageSELLSTATE VISION REALTY

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