3170 Matecumbe Key Road #114, Punta Gorda, FL 33955
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
3170 Matecumbe Key Road #114 in Keel Club Condo, Punta Gorda is listed at $250,000 (593 sq ft, about $422 per sq ft). It came to market within the past week. Listing facts: built in 1983, a private pool, no HOA. 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 1983 · 43 yrs
- 593 sq ft of living area
- Active listing
- No HOA reported by the listing (confirm)
About this home
Your perfect little Florida getaway is waiting—and it’s more affordable than you might think! Escape the cold, embrace the waterfront lifestyle and enjoy a beautifully transformed TURNKEY FURNISHED Keel Club condo in the very heart of Burnt Store Marina! Arguably one of the finest units in either Keel Club building, this charming retreat has been completely reimagined with stylish finishes, thoughtful upgrades and a fresh contemporary coastal feel throughout.
Gorgeous plank tile flooring flows seamlessly from the interior to the enclosed lanai, while crisp white shiplap walls create a bright, inviting ambiance that perfectly complements the attractive furnishings. The beautifully redesigned kitchen is a standout, featuring expanded gray hardwood cabinetry, granite countertops, stainless steel appliances and stylish pendant lighting above the breakfast bar. The updated bath is equally impressive with classic subway tile, a new vanity, full shower and updated fixtures and lighting.
The spacious owner's bedroom offers a wonderful surprise—large sliding glass doors framing a captivating view of the boats and activity in the Marina! Custom closet shelving in both the bedroom and hallway adds practical storage, while a new stacked washer and dryer, new water heater, hurricane-rated living room window and new storm door provide added convenience and peace of mind. Step onto the enclosed lanai and settle into your own front-row seat to Marina life, where passing boaters and waterfront activity provide an ever-changing backdrop.
A motorized hurricane shutter offers protection and privacy when you're away. And the LOCATION couldn't be better! This desirable first-level residence means no elevators and effortless access when arriving with groceries or luggage.
Just outside your door are the Harbormaster, Cass Cay restaurant, Ship's Store deli and convenience store, and the beautiful main waterfront where the Marina lifestyle comes alive. Best of all, Keel Club offers a rare opportunity for short-term daily rentals, making this an appealing option for owners who want to offset expenses when they're not enjoying their Florida escape. It's also the perfect place to welcome visiting family and friends who want their own private retreat.
Whether you're looking for an affordable winter hideaway, a convenient waterfront abode or a flexible rental opportunity, this beautifully updated Keel Club condo delivers big Florida lifestyle in a delightfully manageable package!
All 6 photos
Description provided by CENTURY 21 SUNBELT BURNT STORE 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.The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Lee County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 593 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 2, 2026.
Comparable recent sales
No closed sales of a similar home within about 10 miles in Lee County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for KEEL CLUB CONDO. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
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 $1,363/mo 77%
- Taxes $267/mo 15%
- Insurance $136/mo 8%
$1,765/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollThe current taxable value ($208,900) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
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: Lee County Property Appraiser 2025 Taxing District Millage Book; Lee County Schools 2025-26 adopted budget. 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 3170 Matecumbe Key Road #114
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 $3,325/yr (certified county roll, taxable value × millage). Buy at the asking price of $250,000 and the first-year bill resets to about $3,200/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.97 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Lee County is $2,197/yr (6,508 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 $1,000–$2,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1983. An original roof would be about 43 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 $450/month (tax $267, insurance $183). 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 National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Lee 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.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Lee 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 — how to check availability for this address
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.
This home’s history
- 1983BuiltPer public record
- Nov 2, 2026First seen on movewithmomentum.comObserved at $250,000
- 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
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Listed by CENTURY 21 SUNBELT BURNT STORE · MLS # C7532813
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Similar homes for sale near KEEL CLUB CONDO
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.
Newest listings in KEEL CLUB CONDO
- 1310 NE 4th Terrace · $260,000 · 3 bd / 2.0 ba · listed November 1, 2026 (courtesy of MEDWAY REALTY)
- 3230 Southshore Drive #36A · $425,000 · 3 bd / 2.0 ba · listed November 1, 2026 (courtesy of RE/MAX ALLIANCE GROUP)
- 144 Carrick Bend Lane · $3,485,000 · 3 bd / 3.0 ba · listed October 30, 2026 (courtesy of BOCA GRANDE REAL ESTATE, INC.)
- 2090 Matecumbe Key Road #1308 · $249,500 · 2 bd / 2.0 ba · listed October 30, 2026 (courtesy of KW PEACE RIVER PARTNERS)
- 3161 Amadora Circle · $359,900 · 3 bd / 2.0 ba · listed October 30, 2026 (courtesy of REALTY ONE GROUP MVP)
- 3307 7th Street · $344,900 · 3 bd / 2.0 ba · listed October 30, 2026 (courtesy of MGR REALTY SERVICES, INC.)
Recently off market in KEEL CLUB CONDO
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- 6770 Equinox Lane · last listed $308,000 · 2026-11-01
- 6529 Equinox Lane · last listed $306,900 · 2026-11-01
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- 431 Palmyra Avenue · last listed $345,000 · 2026-11-01
Every home on Matecumbe Key Road: what is for sale, what sold and when, the homes and the communities along it.
Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings
More on Lee 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 Lee 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.
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 3170 Matecumbe Key Road #114, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1983 (43 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 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 Lee 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 593 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 $3,200/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $125 less per year than the current owner’s estimated bill (−4%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: November 2, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Lee County — no medians or automated estimate shown |
| 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.
Frequently asked questions
How big is 3170 Matecumbe Key Road #114 and when was it built?
Per the listing record, 3170 Matecumbe Key Road #114 was built in 1983 and has 593 sq ft of living area, 1 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3170 Matecumbe Key Road #114 in?
3170 Matecumbe Key Road #114 is in Keel Club Condo in Punta Gorda, Lee County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 3170 Matecumbe Key Road #114 have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 3170 Matecumbe Key Road #114 differ from the current owner's?
The estimate on this page (about $3,200 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $125 less per year than the current owner’s estimated bill (−4%). 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 3170 Matecumbe Key Road #114 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.
See 3170 MATECUMBE KEY ROAD #114 in person
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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.
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.
Estimates, methodology & disclaimers
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.
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.