Waterfront Homes for Sale in Punta Gorda, FL

This page tracks every Punta Gorda listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.

404 waterfront homes are for sale or pending in Punta Gorda, FL today across 193 communities. The median asking price is $449,999, from $89,500 to $2,800,000. Listings in Punta Gorda without that feature have a median of $495,000. Most listings right now: Punta Gorda Isles Sec 14 (23), Punta Gorda Isles Sec 05 (18), Punta Gorda Isles Sec 15 (17). Updated September 8, 2026 from the MLS.

Punta Gorda waterfront homes by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most waterfront homes listed are tabled; the rest follow.

Community	Waterfront Homes	New build	Median list	From
Punta Gorda Isles Sec 14	23	1	$1,200,000	$500,000
Punta Gorda Isles Sec 05	18	0	$687,500	$429,000
Punta Gorda Isles Sec 15	17	1	$995,000	$599,900
Punta Gorda Isles Sec 12	12	0	$972,500	$575,000
Punta Gorda Isles Sec 04	11	0	$725,000	$444,900
Hrbr Heights	11	1	$580,000	$349,900
Punta Gorda Isles Sec 07	10	2	$584,500	$349,900
Windmill Village	9	0	$265,000	$210,000
Punta Gorda Isles Sec 21	8	4	$557,450	$350,000
Creekside Run	7	7	$595,805	$485,356
Punta Gorda Isles Sec 11	6	0	$1,117,000	$479,000
Punta Gorda Isles Sec 23	5	0	$499,900	$299,900
Marina South Shore Condo	5	0	$379,000	$349,500
Heritage Landing	5	0	$300,000	$249,900
Colony Point	4	0	$409,450	$299,000
Pelican Harbor Mob Home Estates	4	0	$130,450	$99,999
Punta Gorda Isles Sec 06	3	0	$1,700,000	$469,000
Punta Gorda Isles Sec 02	3	0	$1,300,000	$499,000
Pirate Harbor	3	1	$1,095,000	$585,000
Palm Shores	3	0	$625,000	$465,000
River Club	3	0	$550,000	$350,000
Peace Harbor	3	0	$400,000	$349,500
Seagrass	3	3	$358,610	$307,520
Emerald Pointe Ph 06 Bldg E	3	0	$349,900	$289,000
Suncoast	3	0	$345,000	$149,500
Rio Villa Lakes	3	0	$325,000	$294,999
Heritage Landing Golf & Country Club	3	0	$300,000	$269,900
Emerald Pointe Ph 04	3	0	$294,900	$129,000
Char Park Sec2	3	0	$217,500	$199,000
S P G Heights 8Th Add	3	0	$149,900	$100,000
Newport 01 Ph 02 Bldg 05	3	0	$134,900	$112,500
The Estates On Peace River	2	2	$1,260,000	$1,200,000
Riviera Lagoons	2	1	$1,159,950	$719,900
Burnt Store Isles Sec 15	2	0	$932,450	$899,900
Sunset Key Ii Land Condo	2	0	$915,000	$895,000
Rio Villa 1St Add	2	0	$762,500	$425,000
Grande Isle Towers I	2	0	$725,000	$475,000
Charlotte Park	2	0	$724,500	$624,000
Tarpon Cove	2	0	$574,000	$549,000
Punta Gorda Isles Sec 01	2	0	$570,000	$565,000
Emerald Pointe Villas Ph 02	2	0	$554,500	$510,000
Harbor Towers At Burnt Store	2	0	$535,250	$395,500
Grande Isle Towers Iii & Iv	2	0	$481,450	$419,900
Emerald Isle Condo	2	0	$449,450	$399,000
Wychewood Shores	2	0	$442,250	$429,500
Courtside Landings Land Condo	2	0	$419,000	$359,000
Char Park Sec 02	2	0	$380,000	$315,000
Outlook Cove	2	0	$371,900	$364,900
Peace River Shores	2	0	$339,450	$279,000
Waterford Estates	2	0	$330,200	$314,900
Palacio Del Sol	2	0	$317,000	$299,000
La Romana Condo	2	0	$312,249	$299,999
Points West Ph 02 Bldg 02	2	0	$312,000	$309,000
Charlotte Park Sec 03	2	0	$294,000	$275,000
Emerald Pointe Twnhs Ph 05	2	0	$256,950	$254,900
Spinnaker Point Ph 02 Bldg 02	2	0	$250,000	$250,000
Banyan Point Ph 03	2	0	$234,950	$229,900
Mediterranean Court	2	0	$234,450	$169,000
Parkhill Estates	2	0	$228,750	$162,500
Golden Sands	2	0	$225,000	$210,000

Also with waterfront homes for sale: River Forest Mhp (2), Gateway Point (2), Keel Club Condo (2), Rolls Landing Ph 07 Amd (2), Deep Creek Gardens Ph 06 (2), Lazy Lagoon Mob Hme Park Coop (2), Lakeshore Charlotte County Ph 03 (2), Rolls Landing Bldg 10 (2), River Haven Mob Hme Park (2), Acerage (1), Herons Cove (1), Cleveland North (1), Punta Forda Isles Sec 12 (1), Town Estates (1), Charlotte Shores Un 01 (1), S Cleveland (1), Prairie Creek West 08 (1), River Acres (1), Rowland Country Estates (1), Punta Gorda Isles Sec 08 (1), Waterview Lndg (1), Punta Gorda Isles Sec 4 (1), Babcock Ranch Community Northr (1), Grande Is Twrs 03 & 04 Ph I (1), Tuckers Cove (1), Punt Gorda Isles Sec 05 (1), Bella Lago/Vivante Xx (1), Paradise Pointe (1), Tarpon Cove Ph 08 (1), Harbor Landing Ph 01 Bldg 01 (1), Harbor Walk Ph 02 Bldg 02 (1), Starboard Point Ph 02 Bldg 02 (1), Peace River Shores Un 1 (1), Grande Isle Towers I & 02 Ph I (1), Grande Isle Twrs I & Ii Ph Ii (1), Riverside Park (1), Champagne Estates Ph 01 Bldg 0 (1), Isles Cove Ph 10 (1), San Souci (1), Burnt Store Isles (1), Harbour Heights (1), Babcock Ranch Community Edgewa (1), Breakers Court (1), Southwind (1), Breakers Point Ph 02 (1), Creekside Run Babcock (1), Heritage Landing Golf And Country Club (1), Harbor Walk Ph 02 (1), Isles Garden Villas Ph 01 Bldg (1), Topaz Cove Condo (1), Heritage Lndg Ph Ii-A (1), Burnt Store Lakes (1), Suncoast Harbors (1), Bella Lago At Vivante Xix (1), Lavista Condo (1), Costa Bella Condo (1), Captains Landing (1), Marina North Shore Condo Ph Ii (1), Waterway Colony (1), Emerald Pointe (1), Char Park Sec3 (1), Rio Villa (1), Charleston South (1), Palm Isles Ph 01 (1), Tierra Coronado (1), Points West Ph 01 Bldg 01 (1), Esplanade At Burnt Store Marina (1), Esplanade/Burnt Store Marina Ph 2 Bldng 2 (1), Peace River (1), Peace River Preserve (1), Grand Cove/Punta Gorda Isles (1), Mondavi Bay Villas 01 Bldg 08 (1), Bayshores (1), Punta Gorda Isles Sec 16 (1), Pelican Pointe 1St Add (1), Babcock Ranch Community Cresce (1), Little Hbr/Punta Gorda Isles (1), Vista Del Sol/Burnt Store Mari (1), Marina North Shore Condo (1), Mondavi Bay Villas 01 Bldg 10 (1), Port Charlotte Sec 020 (1), Palm Bay (1), Waterford Estates Ph 2B &2C (1), Punta Gorda Isles Sec 20 (1), Marina North Shore Condo Ph 01-04 (1), Bal Harb Place Bldg 01 (1), Boca Lago/Vivante 06 (1), Pelican Pointe (1), Coldway Commons Ph 01 (1), Verdanda 2/Heritage Lndg Bldg (1), Sea Cove (1), S P G Heights 4Th Add (1), Fountain Court Bldg 03 (1), Villas Bal Habor Ph 02 (1), Tuscany Isles (1), Bridge Point Ph 03 (1), Charlotte Park Sec 2 (1), Banyan Point Condo Ph Iii (1), Driftwood Bldg A (1), Silver Cove (1), Lakeside Gardens 02 (1), Park Beach Club (1), Hibiscus 01 (1), Babcock Ranch (1), Banyan Point Ph 01 (1), Boca Lago/Vivante V (1), Banyan Point Ph 02 (1), Babcock National Ph I Bldg 5 (1), Venetian Isles Ph 03 Bldg 03 (1), Golf Course Villas Ph 8 (1), Rolls Landing Ph 03 Bldg 06 (1), Terrace 2/Babcock National Ph (1), Park Place Estates (1), Spinnaker Point Ph 03 Bldg 01 (1), Villas Cedar Key (1), Lyme Terrace Ph 03 (1), Lyme Terrace Ph 04 (1), Lake View V/Heritage Lake Park Ph (1), Islander Point (1), White Ibis (1), Regency (1), Lakes Edge At Deep Creek Bldg 02 (1), Burnt Store Colony Mhp Coop (1), Lakeshore Charlotte County Ph 02 (1), Tala Lakes Ph 10 Bldg L (1), Silversands (1), Lakes Edge Ph 01 (1), Washington Heights (1), Deep Creek Gardens Ph 10 (1), Lakes Edge (1), Lakeshore Charlotte County Ph 01 (1), Lakeshore Charlotte County Ph 04 (1), Eagle Point Mhp (1).

What waterfront ownership really costs

Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.

Questions to ask about any waterfront listing

Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.

Common questions

How many waterfront homes are for sale in Punta Gorda?

As of September 8, 2026, 404 Punta Gorda, FL listings whose MLS record reports waterfront are active or pending, across 193 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Punta Gorda?

The median asking price today is $449,999, with listings from $89,500 to $2,800,000. Punta Gorda listings without that feature have a median of $495,000.

Which Punta Gorda community has the most waterfront homes for sale?

Punta Gorda Isles Sec 14 has the most right now (23), followed by Punta Gorda Isles Sec 05 (18), Punta Gorda Isles Sec 15 (17), Punta Gorda Isles Sec 12 (12).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Punta Gorda

Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Punta Gorda, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.

Listings courtesy of Stellar MLS as distributed by MLS GRID.