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Overview

3 bd4 ba4,393 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2024
Lot9,600 sqft
Living area4,393 sqft
Price / sqft$478
Garage2 car

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About this home

ElevatorHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorPrimarybedroom UpstairsSolid Surface CountersSolid Wood Cabinets

2139 Palm Tree Dr is a 2024-built home in Punta Gorda Isles Sec 04, Punta Gorda. Inside you'll find 3 bedrooms, 4 bathrooms, and 4,393 square feet of living space. Listed at $2,099,000 (about $478/sqft), 93 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Welcome to an extraordinary waterfront residence where timeless design, exceptional craftsmanship, and the coveted Punta Gorda lifestyle come together. Built in 2024 by West Coast Builders, this custom home offers nearly 4,400 square feet under air (4,393 sq. ft.) and has been thoughtfully designed to maximize comfort, elegance, and breathtaking harbor views. Perfectly positioned on 80 feet of direct Charlotte Harbor frontage, this sailboat-access property offers no bridges to open water, making it a dream location for avid boaters and anglers alike. From your backyard, set out for world-class fishing, leisurely cruises, waterfront dining, or adventures into the Charlotte Harbor and beyond to the Gulf of America. Inside, every detail reflects quality and sophistication. All three generously sized bedrooms feature private en-suite baths, providing comfort and privacy for family and guests. The upper-level primary retreat is a sanctuary of its own, complete with an expansive walk-in closet, elevator access, and a spacious private balcony where panoramic views of the harbor and the charming skyline of Punta Gorda create the perfect backdrop for morning coffee or spectacular sunrises. The oversized two-car garage boasts extra-high ceilings that may possibly accommodate a vehicle lift, offering flexibility for collectors or hobbyists. Throughout the home, luxury finishes, storm-rated windows, and roll-down hurricane protection provide both beauty and peace of mind. Life here extends far beyond the property lines. Residents enjoy the renowned boating culture, vibrant downtown restaurants and shops, waterfront parks, pickleball and tennis facilities, and numerous nearby golf courses that have made Punta Gorda Isles one of Southwest Florida’s most sought-after waterfront communities. This is more than a home—it's an invitation to embrace an exceptional coastal lifestyle where every day begins and ends with the beauty of the harbor.

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The essentials

Built
2024
Price / sqft
$478
On market
113 days
Annual tax
$33,997
Flood zone
AE
Lot
9,600 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
Waterfront
Bay/Harbor
2 car garage
Circular Driveway
9,600 sqft lot
Lot size
4,393 sqft
Living area

Payment

Est. monthly payment
$14,830/mo
Down payment (20%)
$419,800
Property taxes
$2,833/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
9,600 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Circular Driveway, Oversized
Waterfront
Bay/Harbor
Days on Market
113
Elevator
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Walk-in Closet(s)
Balcony
Fire Pit
Hurricane Shutters
Lighting
Rain Gutters
Built-in Oven
Cooktop
Dishwasher
Electric Water Heater
Range Hood
Refrigerator
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)
$33,997
Parcel #
412211181004

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 04
County
Charlotte
MLS Area
33950 - Punta Gorda
Lot Size
9,600 sqft
City LimitsNear Golf Course

Price history

Date
Event
Price
9/21/2026
Price change
Source: Stellar MLS #C7527490
$2,099,000-10.6%
$478/sqft
-
Price change
Source: Stellar MLS #C7527490
$2,349,000-6.0%
$535/sqft
6/18/2026
Listed for sale
Source: Stellar MLS #C7527490
$2,500,000
$569/sqft

Neighborhood

2139 Palm Tree Dr
Punta Gorda, FL, 33950 · 33950 - Punta Gorda

Market insights

Offer Insights

Choose an offer strength

List price: $2,099,000
$2.03M – $2.10M
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 113 after a $401,000 cut.

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

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Calculator

Est. monthly payment
$14,830/mo
Principal & interest$10,947
Property taxes$2,833
Insurance$1,050
Down payment20% · $419,800
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

$2,099,000

$478 per sq ft

Beds and baths

3 beds, 4 baths

Size

4,393 sq ft

Time on market

113 days

Year built

2024

Monthly payment

About $14,830/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $33,997 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: Sharon NeuhoferListing data from Stellar MLS, MLS# C7527490.

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