430 Cartagena St, photo 1
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Overview

3 bd3 ba2,498 sqft3 car garageSingle Family
TypeSingle Family
HOANone listed
Built2007
Lot10,945 sqft
Living area2,498 sqft
Price / sqft$180
Garage3 car

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About this home

Ceiling Fans(s)Coffered Ceiling(s)Eat-in KitchenHigh CeilingsLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface Counters

430 Cartagena St is a 2007-built home in Punta Gorda Isles Sec 20, Punta Gorda. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,498 square feet of living space. Listed at $449,997 (about $180/sqft), 75 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Built like a fortress, styled like a showpiece. This 2007 Punta Gorda Isles home is elevated roughly 3 ft above road grade on ~100 loads of imported fill, wrapped in poured-concrete. E-Wall exterior rated to withstand 250 mph winds, with metal interior studs throughout. Peace of mind, meet curb appeal! — 2,498 sq ft, 3 bedrooms, 3 baths, and a true 3-car garage. Roof replaced in 2023. Step inside to a light-filled, open-concept living, dining, and kitchen space where 11.5-ft sliders pull back to a screened lanai. The kitchen is a showstopper: crisp white cabinetry with brass hardware (17 lowers, 20 uppers, six double drawers), two matching pantries plus a third lighted bonus pantry, room to add an island, and every appliance included. The primary suite is pure retreat — soaring 14.5-ft vaulted ceilings, surround sound, and not one but two mirrored walk-in closets, each with its own HVAC vent and lighting, plus a bonus single closet. The spa bath delivers dual sinks, a jetted tub, roll-in shower, private water closet, porcelain tile, and a chandelier overhead. Guest bedroom one brings its own HVAC-equipped mirrored walk-in closet; guest bedroom two charms with a 9-ft slider to the lanai, tray ceiling, and surround sound. The shared guest bath features a spacious 4'3" x 6'10" roll-in shower. A separate patio bath with jetted tub area and extra storage rounds things out. Chandeliers crown both the grand foyer and dining room. Move-in ready never looked this good.

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The essentials

Built
2007
Price / sqft
$180
On market
75 days
Annual tax
$3,160
Flood zone
X500 · Low risk
Lot
10,945 sqft
Type
Single Family Residence

At a glance

Single family
Built 2007
3 car garage
Driveway
0.25 acres
Lot size
2,498 sqft
Living area

Payment

Est. monthly payment
$2,835/mo
Down payment (20%)
$89,999
Property taxes
$263/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2007
Lot
10,945 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Faces Side, Ground Level, Off Street, On Street
Days on Market
75
Ceiling Fans(s)
Coffered Ceiling(s)
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Hurricane Shutters
Rain Gutters
Storage
Dishwasher
Disposal
Dryer
Microwave
Range
Range Hood
Refrigerator
Washer
Homestead exemption on file Flood Zone X500
Annual Tax (2025)
$3,160
Parcel #
402303478001

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 20
County
Charlotte
MLS Area
33983 - Punta Gorda
Lot Size
10,945 sqft
GreenbeltIn CountyPaved

Price history

Date
Event
Price
8/1/2026
Listed for sale
Source: Stellar MLS #TB8534149
$449,997
$180/sqft

Neighborhood

430 Cartagena St
Punta Gorda, FL, 33983 · 33983 - Punta Gorda

Market insights

Offer Insights

Choose an offer strength

List price: $449,997
$437,500 – $449,997
97.1% – 100% of listTops out right at the list price
80% of listList price
92 of the last 183 home closings in 33983 landed at this number or higher (50%). The median one sat 47 days before it went under contract, and this one is on day 75.

Sample: 183 closed home sales in 33983 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,835/mo
Principal & interest$2,347
Property taxes$263
Insurance$225
Down payment20% · $89,999
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

$449,997

$180 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,498 sq ft

Time on market

75 days

Year built

2007

Monthly payment

About $2,835/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,160 annual tax bill, insurance.

Flood zone

Zone X500

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

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Brokered byJACK KELLER INCListing agent: John Keller, IIIListing data from Stellar MLS, MLS# TB8534149.

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