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About this home
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.
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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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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