3242 Cardiff St, photo 1
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Overview

3 bd2 ba1,490 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1983
Lot10 sqft
Living area1,490 sqft
Price / sqft$195
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsLiving Room/Dining Room ComboOpen FloorplanTray Ceiling(s)Walk-in Closet(s)Private YardStorage

3242 Cardiff St is a 1983-built home in Hrbr Heights, Punta Gorda. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,490 square feet of living space. Listed at $289,900 (about $195/sqft), 74 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Welcome home to Harbor Heights! This charming 3-bedroom, 2-bathhome offers the space, updates, and outdoor living you’ve been looking for—plus plenty of room to make it your own. With a 2021 roof, city water, and a newer septic system installed in 2013, some of the big-ticket items are already taken care of. Step inside to a bright, open-concept living space designed for everyday living and easy entertaining. The updated kitchen features beautiful wood cabinetry, granite countertops, and stainless steel appliances, with the kitchen opening directly to the dining and living areas so everyone stays connected. The appliances are approximately 4 years old. French doors open to the screened-in lanai, extending your living space outdoors and creating the perfect spot for morning coffee, an evening glass of wine, or simply enjoying Florida’s year-round lifestyle. And the backyard is where this home really shines! The large, fully fenced yard offers plenty of room for kids, pets, play, gardening, or backyard gatherings. A 12' x 25' concrete patio is ready for grilling and entertaining, while the impressive 24' x 12' electrically wired shed provides a fantastic bonus space for storage, a workshop, hobbies, projects, or even a dedicated workspace. The spacious primary suite features a walk-in closet and private bath with generous counter space. An interior laundry room with utility sink adds everyday convenience, with the flexibility to relocate the laundry to the garage if desired. Additional updates include exterior paint approximately 4 years ago and overhead plumbing approximately 1 year old. Ideally located near Deep Creek Elementary School and I-75, this home offers easy access to everyday conveniences and commuting routes while giving you the space to truly enjoy life at home. Whether you’re looking for room to grow, a fantastic fenced yard for the kids and pets, space to entertain, or a home with a workshop/storage area, this Harbor Heights gem deserves a look!

The essentials

Built
1983
Price / sqft
$195
On market
74 days
Annual tax
$3,539
Flood zone
AE
Lot
10 sqft
Type
Single Family Residence

At a glance

Single family
Built 1983
2 car garage
1,490 sqft
Living area

Payment

Est. monthly payment
$1,952/mo
Down payment (20%)
$57,980
Property taxes
$295/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1983
Lot
10 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
74
Ceiling Fans(s)
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Tray Ceiling(s)
Walk-in Closet(s)
Private Yard
Storage
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Elementary
East Elementary

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

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$3,539
Parcel #
402322158007

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
Hrbr Heights
County
Charlotte
MLS Area
33983 - Punta Gorda
Lot Size
10 sqft
ClearedOversized LotPrivate

Price history

Date
Event
Price
9/9/2026
Price change
Source: Stellar MLS #A4701474
$289,900-1.7%
$195/sqft
7/29/2026
Listed for sale
Source: Stellar MLS #A4701474
$294,900
$198/sqft

Neighborhood

3242 Cardiff St
Punta Gorda, FL, 33983 · 33983 - Punta Gorda

Market insights

Offer Insights

Choose an offer strength

List price: $289,900
$282,500 – $289,900
97.1% – 100% of listTops out right at the list price
80% of listList price
91 of the last 180 home closings in 33983 landed at this number or higher (51%). The median one sat 47 days before it went under contract, and this one is on day 74 after a $5,000 cut.

Sample: 180 closed home sales in 33983 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,952/mo
Principal & interest$1,512
Property taxes$295
Insurance$145
Down payment20% · $57,980
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

$289,900

$195 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,490 sq ft

Time on market

74 days

Year built

1983

Monthly payment

About $1,952/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,539 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 byREALTYTEAM.COM, INC.Listing agent: Kim Simone, P.A.Listing data from Stellar MLS, MLS# A4701474.

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