PendingSingle Family Residence▼ Price cut: $10,000 (8/7)
$299,888
4-Bedroom Home in PUNTA GORDA ISLES
16082 Overdale Court, Punta Gorda, FL 33955
Single Family Residence in PUNTA GORDA ISLES · No CDD on record · Built 2026
PUNTA GORDA ISLES · Punta Gorda, FL 33955 · Charlotte County
Listing data updated October 12, 2026 at 5:22 AM ET · checked against the MLS hourly
4Bedrooms
2Bathrooms
1,808Sq Ft
2026Year Built
$166Per Sq Ft
3-car garageNew constructionNo CDD on record4 bedrooms
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.
28% below
$/sq ft vs community
$166 here vs $229 median sold (12 mo)
Buyer leverage
Buyer advantage
186 days on market
3.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone D
Flood risk
Confirm requirements with FEMA; ~16 ft elevation
$500–$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 $300k is at or below all 12 recent closed sales
As of October 12, 2026, 16082 Overdale Court in Punta Gorda Isles, Punta Gorda is listed at $299,888 (1,808 sq ft, about $166 per sq ft). That is 33% below Punta Gorda Isles'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 28%. It has been 186 days on market, longer than the community's typical 61 days to contract. Listing facts: new construction, HOA dues of $21/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
1,808 sq ft of living area
3-car garage
Listed at $299,888 — recent neighborhood median sale price ~$450,000 (nearby sales; deemed reliable, not an appraisal)
186 days on market
HOA $21/mo (per listing)
Listing description
About this home
Discover modern living with the Biscayne Plan a charming single-story home. The open design seamlessly connects the Living, Dining, and Kitchen areas. The chef’s dream kitchen features sophisticated cabinetry, elegant quartz countertops, and stainless steel appliances, including a smooth-top range, microwave hood, and dishwasher.
The expansive primary suite offers a private bath with dual vanity sinks and a spacious walk-in closet. With three additional bedrooms, a whole secondary bath, and a THREE-CAR GARAGE, this home is perfect.. Energy-efficient Low-E insulated dual-pane vinyl windows and a one-year limited warranty ensure comfort and peace of mind.
Punta Gorda is a hidden gem along the Gulf Coast, offering a tranquil and vibrant lifestyle with a perfect balance of natural beauty, small-town charm, and modern amenities. With its picturesque waterfront views, Punta Gorda is ideal for those who enjoy outdoor activities. It offers easy access to boating, fishing, and sailing on Charlotte Harbor, one of the largest natural harbors in Florida.
Pricing shown reflects available seller incentives when financing is obtained through the seller’s preferred lender. Terms and conditions apply.
Description provided by WJH BROKERAGE FL LLC and reproduced from the MLS; not independently verified.
Listing courtesy of WJH BROKERAGE FL LLC · Listing agent: Octavia Valencia · 321-238-8595Provided 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$299,888
Bed / bath4 / 2
Living area1,808 sq ft
Year built2026
Property typeSingle Family Residence
Garage3-car
MLS #C7522558
Listing statusPending
Public records & third-party data
FEMA flood zoneZone D
Ground elevation~16 ft
CountyCharlotte
Area listings0 active · 0 under contract
Estimated first-year tax~$3,149/yr
CDD assessmentNone on record
HOA$21/mo
Calculated estimates
Price per sq ft$166
Estimated monthly payment$2,023
Insurance (illustrative)$500–$2k/yr
Messtimate range$428,496 – $538,784
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
$2,023/mo
Principal & interest $1,661/mo82%
Taxes $262/mo13%
Insurance $79/mo4%
HOA $21/mo1%
$2,023/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,149/yr
Estimate: a typical Charlotte effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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)
$500–$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 zone D — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$21/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 D
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~16 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 $166/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
2026BuiltPer public record
About Apr 2026Listed (per MLS)MLS reports 186 cumulative days on market as of October 12, 2026
Jul 10, 2026First seen on movewithmomentum.comObserved at $309,888
Aug 7, 2026Price cut$299,888 (-$10,000, -3.2%)
NowUnder contractCurrently 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.
Transparency
Price & listing history
Listed for $299,888Momentum Realty · on market 186 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 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.
Sold Feb 2026
$499,990
26842 DOVE DRIVE, PUNTA GORDA
3 / 3 bd/ba · 2,100 sq ft · $238/sq ft
Courtesy of TAYLOR MORRISON RLTY OF FLA · View details →
Sold Apr 2026
$519,000
26908 VICTORIA PLACE, PUNTA GORDA
3 / 3 bd/ba · 2,296 sq ft · $226/sq ft
Courtesy of TAYLOR MORRISON RLTY OF FLA · View details →
Sold Aug 2026
$568,450
14218 DUNLIN AVENUE, PUNTA GORDA
3 / 3.5 bd/ba · 2,306 sq ft · $247/sq ft
Courtesy of TAYLOR MORRISON RLTY OF FLA · View details →
Sold Sep 2026
$546,887
14212 DUNLIN AVENUE, PUNTA GORDA
3 / 3.5 bd/ba · 2,306 sq ft · $237/sq ft
Courtesy of TAYLOR MORRISON RLTY OF FLA · View details →
Sold Oct 2026
$700,000
24122 PYRAMID WAY, PUNTA GORDA
3 / 2 bd/ba · 2,350 sq ft · $298/sq ft
Courtesy of STELLAR NON-MEMBER OFFICE · View details →
Sold Oct 2026
$700,000
24122 PYRAMID WAY, PUNTA GORDA
3 / 2 bd/ba · 2,350 sq ft · $298/sq ft
Courtesy of STELLAR NON-MEMBER OFFICE · View details →
Median of these 6 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.
$428,496the mess$538,784
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $299,888 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 26% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $21/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 186 days on market vs. a 62-day community median
252 active listings competing, 69 under contract
911 closed here in the last 12 months
For reference, this home is listed at $299,888 ($166/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: 1,808 sq ft × $237–$298/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
66/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
66/100 is solid, mid-pack 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 $166/sq ft vs the community 12-month median $229/sq ft.
Affordability100
List price $299,888 vs the community median $450,000. Not a measure of personal affordability.
Flood safety65
FEMA Zone D, ~16 ft elevation. Verify the parcel with FEMA.
Insurance cost30
From FEMA Zone D and a 2026 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
🟢 Buyer-leaning conditions around this listing. 3.3 months of supply in the surrounding market and 186 days on market for this home, against a 62-day area median.Days on market:this home 186Area median: 62 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 August 2, 2026.
🟡 Asking $166 per square foot, about 28% 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 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by WJH BROKERAGE FL LLC · MLS # C7522558
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Keep looking
Similar homes for sale near PUNTA GORDA ISLES
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.
GRADEB
East ElementaryAssigned elementary school · Charlotte County School District · Grade B (Florida DOE 2025-26)
GRADEA
Punta Gorda MiddleAssigned middle school · Charlotte County School District · Grade A (Florida DOE 2025-26)
GRADEB
Charlotte HighAssigned high school · Charlotte County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 16082 Overdale Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $21/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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.
Listed living area is 1,808 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 $3,149/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 12, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone D shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; 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 16082 Overdale Court and when was it built?
Per the listing record, 16082 Overdale Court was built in 2026 and has 1,808 sq ft of living area, 4 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 16082 Overdale Court in?
16082 Overdale Court is in Punta Gorda Isles in Punta Gorda, Charlotte County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 16082 Overdale Court have an HOA, and how much are the dues?
The listing reports HOA dues of $21 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 16082 Overdale Court differ from the current owner's?
The estimate on this page (about $3,149 per year) assumes reassessment at the list price less the homestead exemption. 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 16082 Overdale Court in a flood zone?
The flood designation shown (Zone D) comes from the FEMA flood map and is provided for general information. 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 16082 OVERDALE COURT 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.
