130 Breakers Court #221, Punta Gorda, FL 33950
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
130 Breakers Court #221 in Breakers Point Ph 02, Punta Gorda is listed at $519,000 (1,932 sq ft, about $269 per sq ft). That sits within a few percent of Breakers Point Ph 02's median closed sale of $458,950 over the last 12 months (830 recorded sales). Per square foot it is above the community's recent $230/sq ft by about 17%. It has been listed Mar 4, 2026, longer than the community's typical 55 days to contract. Listing facts: built in 1995, waterfront, HOA dues of $893/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1995 · 31 yrs
- 1,932 sq ft of living area
- Listed at $519,000 — recent neighborhood median sale price ~$458,950 (nearby sales; deemed reliable, not an appraisal)
- listed Mar 4, 2026
- HOA $893/mo (per listing)
About this home
SAILBOAT PGI 3 BEDROOM CONDO! Experience Punta Gorda Isles TURN KEY-FURNISHED LUXURY 3 BEDROOM, 2BATH CONDO, WITH COVERED CARPORT on the 2nd floor at BREAKERS POINT! CAN WALK TO FAMOUS FISHERMAN'S VILLAGE RESTAURANTS, SHOPS, TIKI BAR & MARINA!
NEW IMPROVED PRICE! NEW METAL ROOF (2023), BEST OF ALL, COMES WITH ASSIGNED BOAT SLIP/AND 13,500 LB BOAT LIFT! QUICK IMMEDIATE ACCESS TO CHARLOTTE HARBOR & THE GULF OF MEXICO FOR ALL YOU FISHERMAN & BOAT LOVERS!
Experience Punta Gorda Isles Family Fun living. Feel like you are on vacation every day of your life! NO BRIDGES TO OPEN WATER!
Enjoy PRIVATE MARINA & HEATED POOL. FULL HURRICANE PROTECTION WITH AUTOMATIC SHUTTERS FOR THE KITCHEN, FRONT DOOR AND LANAI, SHUTTERS FOR THE REST! This property blends modern upgrades with a relaxed waterfront lifestyle, walking distance to Fisherman’s Village, offering boutique shopping, dining, and entertainment right nearby.
Upgrades include QUARTZ COUNTERTOPS, WHITE FARM STYLE CABINETRY WITH CROWN MOLDING, STAINLESS STEEL APPLIANCES MICROWAVE CONVECTION OVEN, TILED BACKSPLASH, LUXURY VINYL PLANK FLOORING THROUGH-OUT, NEW TILE IN THE LANAI and large breakfast bar that opens to the main living area. A pass-through window to the lanai makes entertaining or casual dining a breeze. The lanai itself is designed for year-round enjoyment, featuring REMOVABLE SLIDING PANALS that allow you to bring in the cool air or enjoy the comfort of your central AC.
The Wi-Fi-controlled thermostat lets you manage comfort from anywhere. Both bathrooms have been beautifully upgraded with modern vanities and fixtures, while the master suite features dual walk-in closets and a large tiled walk-in shower. The guest bedroom also includes a walk-in closet, and bedroom three comes with a built-in closet for added storage.
Bedroom two doubles as a library or flex space with a built-in MURPHY BED, ideal for versatile living. Other recent upgrades include a metal roof installed in 2023 and a OFFICE with extra storage closet. The interior laundry room is fully equipped with cabinets, a utility sink, and storage racks.
Outside, enjoy direct sailboat-water access to the Gulf of Mexico — power and electric are already in place at your lift. This turnkey condo is truly move-in ready, right down to the stocked kitchenware. If you’re seeking luxury, function, and effortless waterfront living in Punta Gorda, this condo delivers it all — from the sleek finishes inside to the open water adventures just beyond your dock.
AFFORDABLE CONDO FEE INCLUDES ASSIGNED BOAT SLIP/DOCK, WATER, SEWER, TRASH REMOVAL, PEST CONTROL, EXTERIOR MAINTENANCE, GROUND MAINTENANCE, POOL MAINTENANCE, INSURANCE AND MORE! CALL TODAY!
All 49 photos
Description provided by KW PEACE RIVER PARTNERS and reproduced from the MLS; not independently verified.
Provided 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.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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,852/mo 61%
- Taxes $660/mo 14%
- Insurance $249/mo 5%
- HOA $893/mo 19%
$4,654/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty 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.
The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.
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.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
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.
What it really costs to own 130 Breakers Court #221
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $7,375/yr (certified county roll, taxable value × millage). Buy at the asking price of $519,000 and the first-year bill resets to about $7,925/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.92 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $893/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Charlotte County is $2,298/yr (2,415 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1995. An original roof would be about 31 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,745/month (tax $660, HOA $893, insurance $192). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Charlotte County market
How this home is priced against recent nearby sales, and where Charlotte County 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 Charlotte County
Each dot is a closed sale since 2004 (10700 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 $269/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 49 (normal).
This home’s history
- 1995BuiltPer public record
- About Mar 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-03-04" data-fmt="dom">listed Mar 4, 2026</span>)
- Jul 10, 2026First seen on movewithmomentum.comObserved at $549,900
- Aug 8, 2026Price cut$519,000 (-$30,900, -5.6%)
- NowPendingSale pending
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.
Price & listing history
Building permits
Comparable recent sales
4 closed sales within about 3 miles 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.
Median of these 4 sales: $458,950 ($230/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 4 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,828 recent closed sales we scored, the closed price landed inside the Messtimate range 56% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-29.
Actual list price: $519,000 ($269/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 19% spread on the same house — here is what a model can't see:
- Condition & updates — a 1995 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- Carrying costs & concessions — this home carries HOA dues of $893/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: listed Mar 4, 2026 on market vs. a 56-day community median
- 2663 active listings competing, 501 under contract
- 9 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (4); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 29, 2026.
Momentum Property Score
42/100 is below average 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.
Coverage: 7 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 3550.7 months of supply in the surrounding market and 239 days on market for this home, against a 56-day area median.Days on market:this home 239Area median: 56 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. As of September 20, 2026.
🟡 Asking $269 per square foot, about 17% above the community’s $230 median. Charlotte County’s 12-month median sold price per square foot is $230. Median sold price per square foot is up 7.8% year over year. Confidence: Very High · 830 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 Charlotte County sales closed near 93.0% of original asking.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 September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1423 active listings in Charlotte County, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KW PEACE RIVER PARTNERS · MLS # C7516069
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More on Charlotte County
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Browse market data, schools, taxes, and homes for sale across the county.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 130 Breakers Court #221, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1995 (31 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,932 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 $7,925/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $550 more per year than the current owner’s estimated bill (+7%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 29, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE 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.
Frequently asked questions
How big is 130 Breakers Court #221 and when was it built?
Per the listing record, 130 Breakers Court #221 was built in 1995 and has 1,932 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 130 Breakers Court #221 in?
130 Breakers Court #221 is in Breakers Point Ph 02 in Punta Gorda, Charlotte County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 130 Breakers Court #221 have an HOA, and how much are the dues?
The listing reports HOA dues of $893 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 130 Breakers Court #221 differ from the current owner's?
The estimate on this page (about $7,925 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $550 more per year than the current owner’s estimated bill (+7%). 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 130 Breakers Court #221 in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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.
See 130 BREAKERS COURT #221 in person
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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 jon@movewithmomentum.com 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.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.