Single Family Residence in PUNTA GORDA ISLES SEC 20 · No CDD on record
PUNTA GORDA ISLES SEC 20 · Punta Gorda, FL 33983 · Charlotte County
Listing data updated October 10, 2026 at 5:31 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,761Sq Ft
1988Year Built
$156Per Sq Ft
Private pool2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
32% below
$/sq ft vs community
$156 here vs $229 median sold (12 mo)
Buyer leverage
Strong buyer advantage
60.0-month supply
60.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~15 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $275k is at or below all 12 recent closed sales
As of October 10, 2026, 112 Cuiaba Drive in Punta Gorda Isles Sec 20, Punta Gorda is listed at $275,000 (1,761 sq ft, about $156 per sq ft). That is 39% below Punta Gorda Isles Sec 20's median closed sale of $450,000 over the last 12 months (782 recorded sales). Per square foot it is below the community's recent $229/sq ft by about 32%. It came to market within the past week. Listing facts: built in 1988, a private pool, HOA dues of $19/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1988 · 38 yrs
1,761 sq ft of living area
2-car garage
Listed at $275,000 — recent neighborhood median sale price ~$450,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $19/mo (per listing)
Listing description
About this home
Your personal updates are going to shine in this wonderful Deep Creek opportunity. From the welcoming double door entry to the oversized pool, this 3/2/2 home will fit your family well with the living/dining and kitchen/family room split bedroom floor plan that everyone desires. Water, sewer, no flood zone, low HOA fee keep bringing buyers back to this area time and time again.
Schedule your showing today!
Description provided by CCRFL, LLC. and reproduced from the MLS; not independently verified.
Listing courtesy of CCRFL, LLC. · Listing agent: Kathy Weithman · 941-883-4181Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$275,000
Bed / bath3 / 2
Living area1,761 sq ft
Year built1988
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #C7531795
Listing statusActive
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~15 ft
CountyCharlotte
Area listings0 active · 0 under contract
Estimated first-year tax~$3,800/yr
CDD assessmentNone on record
HOA$19/mo
Calculated estimates
Price per sq ft$156
Estimated monthly payment$2,004
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$450,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,004/mo
Principal & interest $1,523/mo76%
Taxes $317/mo16%
Insurance $145/mo7%
HOA $19/mo1%
$2,004/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Charlotte County rate (16.92 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,450/yr ($121/mo) — taxable value $85,381 × 16.92 mills
$2,350 more each year
(+162%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$202,696
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$288,077
Market value
$136,103
Assessed
$85,381
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$19/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~15 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Charlotte County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Charlotte County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively Low
LightningVery High
Strong windRelatively Moderate
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · PUNTA GORDA ISLES
Pricing & the PUNTA GORDA ISLES market
How this home is priced against recent nearby sales, and where PUNTA GORDA ISLES has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in PUNTA GORDA ISLES
Each dot is a closed sale since 2004 (10613 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $156/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 52 (normal).
Property timeline
This home’s history
1988BuiltPer public record
Oct 9, 2026First seen on movewithmomentum.comObserved at $275,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $275,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
4 closed sales in PUNTA GORDA ISLES SEC 20 in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Oct 2026
$435,000
27052 TIERRA DEL FUEGO CIRCLE, PUNTA GORDA
4 / 2 bd/ba · 1,839 sq ft · $237/sq ft
Courtesy of UNIQUE REALT · View details →
Sold Oct 2026
$435,000
27052 TIERRA DEL FUEGO CIRCLE, PUNTA GORDA
4 / 2 bd/ba · 1,839 sq ft · $237/sq ft
Courtesy of UNIQUE REALT · View details →
Sold Oct 2026
$466,000
223 RIO DE JANEIRO AVENUE, PUNTA GORDA
4 / 3 bd/ba · 2,191 sq ft · $213/sq ft
Courtesy of JOHN R WOOD PROPERTIES · View details →
Sold Oct 2026
$466,000
223 RIO DE JANEIRO AVENUE, PUNTA GORDA
4 / 3 bd/ba · 2,191 sq ft · $213/sq ft
Courtesy of JOHN R WOOD PROPERTIES · View details →
Median of these 4 sales: $450,000 ($229/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$355,722the mess$450,816
Stronger local evidence — 4 comparable closed sales in PUNTA GORDA ISLES SEC 20, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $275,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1988 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $19/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
60 active listings competing, 60 under contract
12 closed here in the last 12 months
For reference, this home is listed at $275,000 ($156/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,761 sq ft × $202–$256/sq ft (±12% around the median of 4 comparable closed sales in PUNTA GORDA ISLES SEC 20, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.
Momentum Scores
Momentum Property Score
73/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
73/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area100
This home $156/sq ft vs the community 12-month median $229/sq ft.
Affordability100
List price $275,000 vs the community median $450,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost60
From FEMA Zone X and a 1988 build. Obtain a property-specific quote.
Market liquidity51
Community median 62 days on market (12-month record).
Buyer competition54
46% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power79
Recent sales closed at about 92.1% of original asking (~7.9% below). More room below asking generally favors buyers.
Market timing48
Momentum Market Heat is 52/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 8 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $156 per square foot, about 32% below the community’s $229 median. PUNTA GORDA ISLES’s 12-month median sold price per square foot is $229. Median sold price per square foot is up 3.4% year over year. Confidence: Very High · 782 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent PUNTA GORDA ISLES sales closed near 92.1% of original asking. Cash paid for about 46% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
Updated October 10, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CCRFL, LLC. · MLS # C7531795
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Keep looking
Similar homes for sale near PUNTA GORDA ISLES SEC 20
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Aug 2026 · Builder
West Port expansion in Port Charlotte to add 423 homes and a Publix
Brookfield Kolter Land Partners is expanding West Port by 180 acres with 423 homes, with D.R. Horton building and Lennar expected to start in 2027. A Publix-anchored center fronting SR 776 is scheduled to open in late 2027, and Flamingo Boulevard is to open as a two-lane road later in 2026.
Why it matters: Adds new-home supply in the mid-$200,000s and neighborhood grocery access on the SR 776 corridor. The site is about 8 miles northwest of Punta Gorda Isles.
Canopy at Babcock Ranch, a 373-unit complex by Milhaus, is about 85% occupied. A 140-unit B Street apartment project with retail and office space is planned, and the 246-home Flatwoods rental community is expected to near full occupancy in fall 2026.
Why it matters: Shows rental supply growth and absorption in the Babcock Ranch town, adding housing near planned local retail. The project is about 23 miles east of Punta Gorda Isles, elsewhere in Charlotte County.
Schools currently assigned to this address in Charlotte County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Charlotte County Public Schools (verify by address)Public · Charlotte County School District
Sallie Jones Elementary, Punta Gorda Middle, Charlotte High (nearby)By address · Charlotte County School District
Magnet and choice options may applyChoice · Charlotte County School District
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Amenities and HOA/CDD detail on the neighborhood guide.
Before you decide
Buyer research checklist
Items worth confirming for 112 Cuiaba Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $19/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Charlotte County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 1,761 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,800/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,350 more per year than the current owner’s estimated bill (+162%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 10, 2026)
Comparable sales
Stellar MLS closed sales in PUNTA GORDA ISLES SEC 20, last 18 months, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 112 Cuiaba Drive and when was it built?
Per the listing record, 112 Cuiaba Drive was built in 1988 and has 1,761 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 112 Cuiaba Drive in?
112 Cuiaba Drive is in Punta Gorda Isles Sec 20 in Punta Gorda, Charlotte County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 112 Cuiaba Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $19 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 112 Cuiaba Drive differ from the current owner's?
The estimate on this page (about $3,800 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $2,350 more per year than the current owner’s estimated bill (+162%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 112 Cuiaba Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 112 CUIABA DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
