3049 Cardiff St, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot3,125 sqft

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About this home

3049 Cardiff St is a home in Hrbr Heights, Punta Gorda. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

COMMERCIAL OPPORTUNITY IN THE GROWING DEEP CREEK AREA OF PUNTA GORDA! This vacant commercial lot at 3049 Cardiff St offers an excellent opportunity for investors, developers, or business owners looking to establish a presence in Southwest Florida. Conveniently located near residential communities, established businesses, shopping, dining, and everyday services, the property also provides easy access to I-75 and US-41 for convenient travel throughout Charlotte County and the surrounding area. With continued growth and development throughout the Punta Gorda and Deep Creek area, this property offers potential for a variety of commercial uses. Buyer is responsible for verifying zoning, permitted uses, building requirements, utilities, and development restrictions with Charlotte County. Whether you're looking to build for your own business or add a commercial property to your investment portfolio, this vacant lot offers an opportunity to invest in a growing Southwest Florida market.

The essentials

On market
35 days
Annual tax
$317
Flood zone
X · Low risk
Lot
3,125 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$226/mo
Down payment (20%)
$6,980
Property taxes
$26/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
3,125 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
35
Flood Zone X
Annual Tax (2025)
$317
Parcel #
402322102015

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
3,125 sqft
BuildableClearedIn CountyPaved

Price history

Date
Event
Price
9/14/2026
Listed for sale
Source: Stellar MLS #C7530698
$34,900

Neighborhood

3049 Cardiff St
Punta Gorda, FL, 33983 · 33983 - Punta Gorda

Calculator

Est. monthly payment
$226/mo
Principal & interest$182
Property taxes$26
Insurance$17
Down payment20% · $6,980
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

$34,900

Time on market

35 days

Monthly payment

About $226/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $317 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byMARINA PARK REALTY LLCListing agent: Eli Burress PAListing data from Stellar MLS, MLS# C7530698.

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