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Overview

2 bd3 ba1,855 sqftSingle Family
TypeSingle Family
HOANone listed
Built2002
Lot15,400 sqft
Living area1,855 sqft
Price / sqft$229

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About this home

Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanSplit BedroomTray Ceiling(s)Walk-in Closet(s)BalconyLighting

3900 Colony CT is a 2002-built home in Waterway Colony, Punta Gorda. Inside you'll find 2 bedrooms, 3 bathrooms, and 1,855 square feet of living space. Listed at $425,000 (about $229/sqft), 256 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

ASSUMABLE FLOOD INSURANCE - This CUSTOM-BUILT elevated Florida-style waterfront home offers 2 bedrooms, 2 1/2 bathrooms, and 1,855 sq ft of thoughtfully designed living space, complemented by a clean, modern exterior blending comfort and functionality along with a metal roof. Nestled on the Venice Canal, the property features 141 feet of waterfront and a 7’ x 14’ concrete dock with pilings, providing quick boating access to Charlotte Harbor and the Gulf of Mexico—a true haven for water enthusiasts. The fixed bridge clearance measures approximately 12’–13’, depending on conditions. Set on a generous lot, the home includes an expansive concrete driveway with ample space for vehicles, boats, or toys. The raised main living area provides peace of mind while creating a breezy, shaded space below—perfect for outdoor seating, storage, or future entertaining. A 144-sq-ft metal shed adds room for tools, lawn equipment, or water gear. Recent updates new septic system, double front doors, and appliances. The A/C and hot water heater were replaced in 2017 for reliable comfort. The exterior showcases a crisp, neutral palette, low-maintenance finishes, and wide staircases leading to multiple entry points. Inside, the bright, open-concept living area flows seamlessly into the kitchen and dining spaces, ideal for everyday living and entertaining. Durable tile flooring spans the home, while neutral tones and ceiling fans enhance comfort and airflow. Large sliding glass doors open to a 55’ x 15’ rear deck spanning the home’s width, overlooking the tranquil canal—perfect for dining, entertaining, or relaxing in Florida style. The chef-inspired kitchen features two center islands: one with a stainless-steel oven and the other with a breakfast bar for four. White cabinetry, glass-front upper cabinets, and abundant recessed lighting complete this functional space. A conveniently located laundry area off the kitchen adds efficiency. The split-bedroom layout offers two primary suites for ultimate privacy. The first suite includes dual-door closets, a sitting area, and slider access to the rear deck. Its ensuite has a jetted soaking tub, Roman shower, L-shaped vanity with double sinks, and a separate toilet room. The second primary suite features a walk-in closet and an attached bath with a walk-in shower that also connects to the kitchen area—ideal for flexible living or guest accommodations. Versatile ground-level living space has a fully screened, open area that expands usable living and entertaining space. Designed for durability, the concrete slab and high ceilings provide room for lounging, dining, or hosting gatherings. Multiple doors open into a bonus area plumbed with a bathroom, enhancing the space’s potential for a casual hangout, outdoor kitchen, workshop, or future conversion. Close to I-75/US41 and nearby Fishermen's Village, downtown Punta Gorda shops & restaurants, Saint Andrews Golf Course, and excellent boating, fishing, and sailing. Home is spotless and ready for you—enjoy the Florida lifestyle in this impressive home! **PLEASE ENJOY THE 3D INTERACTIVE VIRTUAL TOUR ASSOCIATED WITH THIS LISTING**

The essentials

Built
2002
Price / sqft
$229
On market
256 days
Annual tax
$3,474
Flood zone
AE
Lot
15,400 sqft
Type
Single Family Residence

At a glance

Single family
Built 2002
Waterfront
Canal Front
0.36 acres
Lot size
1,855 sqft
Living area

Payment

Est. monthly payment
$2,719/mo
Down payment (20%)
$85,000
Property taxes
$289/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2002
Lot
15,400 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Boat, Covered, Driveway, Ground Level, Guest, Off Street, Oversized
Waterfront
Canal Front
Days on Market
256
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Balcony
Lighting
Rain Gutters
Storage
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
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.

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$3,474
Parcel #
412318352014

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
Waterway Colony
County
Charlotte
MLS Area
33950 - Punta Gorda
Lot Size
15,400 sqft
ClearedIn CountyLandscapedOversized LotStreet Dead-EndPaved

Price history

Date
Event
Price
7/16/2026
Price change
Source: Stellar MLS #C7521086
$425,000-5.6%
$229/sqft
-
Price change
Source: Stellar MLS #C7521086
$450,000-10.0%
$243/sqft
2/2/2026
Listed for sale
Source: Stellar MLS #C7521086
$500,000
$270/sqft

Neighborhood

3900 Colony CT
Punta Gorda, FL, 33950 · 33950 - Punta Gorda

Market insights

Offer Insights

Choose an offer strength

List price: $425,000
$412,500 – $425,000
96.9% – 100% of listTops out right at the list price
80% of listList price
141 of the last 280 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 256 after a $75,000 cut.

Sample: 280 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
$2,719/mo
Principal & interest$2,217
Property taxes$289
Insurance$213
Down payment20% · $85,000
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

$425,000

$229 per sq ft

Beds and baths

2 beds, 3 baths

Size

1,855 sq ft

Time on market

256 days

Year built

2002

Monthly payment

About $2,719/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,474 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

What should I offer?

Have another question?

Brokered byMARINA PARK REALTY LLCListing agent: Robbie SifritListing data from Stellar MLS, MLS# C7521086.

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