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Overview

3 bd3 ba3,013 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1990
Lot11,999 sqft
Living area3,013 sqft
Price / sqft$398
Garage2 car

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About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

1024 San Mateo Dr is a 1990-built home in Punta Gorda Isles Sec 12, Punta Gorda. Inside you'll find 3 bedrooms, 3 bathrooms, and 3,013 square feet of living space. Listed at $1,199,000 (about $398/sqft), 369 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Coastal Luxury Meets Everyday Comfort! This stunning 3,013 sq. ft. waterfront retreat is more than just a home—it’s your own private oasis! Perfectly positioned just minutes to open water, it offers the best of Florida living with a 35-foot heated pool, spa, outdoor summer kitchen, and an 80-foot dock with boat lift. Step inside to discover a thoughtfully updated and redesigned interior. This kitchen is a chef’s dream, featuring rich wood cabinetry with abundant storage, granite counters, center island, sleek new appliances, and a double-door pantry. A casual breakfast nook with pool views and a generous breakfast bar seamlessly flow into the expansive family room—complete with gleaming hardwood floors and walls of windows that fill the space with natural light. Enjoy both formal and casual living options. A gracious living room opens to the lanai, while the formal dining room sets the stage for memorable dinners. Need extra space? The versatile office/man cave provides just the right spot to work—or unwind. The primary suite is a retreat of its own with hardwood floors, direct lanai access, two walk-in closets, and a spa-like bath featuring a dual vanity and Roman-style glass block walk-in shower. Two spacious guest bedrooms, each with walk-in closets, and a completely updated guest bath (with pool access!) ensure everyone feels right at home. Practicality meets style with a huge laundry room (Washer and Dryer 2 years old), half bath, and an oversized 27x20 garage offering exceptional storage. Step outside and you’ll see why this home was designed for entertaining. The expansive lanai has plenty of lounging space, a fully equipped summer kitchen, and of course—the sparkling heated pool (Heater replaced 4 years ago) and relaxing spa. With a 100-foot seawall and quick access to Charlotte Harbor, it’s a boater’s dream come true. This home truly checks every box—space, style, updates, and location. Don’t just dream about waterfront living—make it yours!

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The essentials

Built
1990
Price / sqft
$398
On market
369 days
Annual tax
$13,768
Flood zone
AE
Lot
11,999 sqft
Type
Single Family Residence

At a glance

Single family
Built 1990
Waterfront
Canal - Saltwater
Private pool
Heated
2 car garage
Garage Door Opener
0.28 acres
Lot size

Payment

Est. monthly payment
$8,000/mo
Down payment (20%)
$239,800
Property taxes
$1,147/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1990
Lot
11,999 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Guest, Oversized
Pool
Gunite, Heated, In Ground, Screen Enclosure, Solar Heat
Waterfront
Canal - Saltwater
Days on Market
369
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Outdoor Grill
Outdoor Kitchen
Rain Gutters
Sprinkler Metered
Storage
Built-in Oven
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Refrigerator
Washer
Elementary
Sallie Jones Elementary
Middle
Punta Gorda Middle
High
Charlotte High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone AE
Annual Tax (2024)
$13,768
Parcel #
412214303004

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Punta Gorda Isles Sec 12
County
Charlotte
MLS Area
33950 - Punta Gorda
Lot Size
11,999 sqft
Cul-De-SacFloodZoneCity LimitsOversized LotPaved

Price history

Date
Event
Price
7/3/2026
Price change
Source: Stellar MLS #A4667481
$1,199,000-7.7%
$398/sqft
10/6/2025
Listed for sale
Source: Stellar MLS #A4667481
$1,299,000
$431/sqft

Neighborhood

1024 San Mateo Dr
Punta Gorda, FL, 33950 · 33950 - Punta Gorda

Market insights

Offer Insights

Choose an offer strength

List price: $1,199,000
$1.16M – $1.20M
96.9% – 100% of listTops out right at the list price
80% of listList price
138 of the last 274 home closings in 33950 landed at this number or higher (50%). The median one sat 67 days before it went under contract, and this one is on day 369 after a $100,000 cut.

Sample: 274 closed home sales in 33950 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$8,000/mo
Principal & interest$6,253
Property taxes$1,147
Insurance$600
Down payment20% · $239,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,199,000

$398 per sq ft

Beds and baths

3 beds, 3 baths

Size

3,013 sq ft

Time on market

369 days

Year built

1990

Monthly payment

About $8,000/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $13,768 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

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Brokered byCOLDWELL BANKER SUNSTAR REALTYListing agent: Justin Willis ChavezListing data from Stellar MLS, MLS# A4667481.

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