454 MONACO DRIVE, PUNTA GORDA, FL, 33950
Active18 days on marketListed Jul 6, 2026MLS #C7527953
About this home
454 MONACO DRIVE
Move-in ready single-story waterfront-style home in desirable Punta Gorda Isles (Sec 15). Built in 1984, this well-maintained residence offers 3 bedrooms, 2 baths and 2,213 sq ft of heated living area (3,155 total sq ft) on a generous 9,601 sq ft (0.22 acre) lot with ample yard space and curb appeal. The spacious, functional floorplan features a split-bedroom layout for privacy, an open living room (approx. 19 x 18) and separate eating area, a kitchen (approx. 13 x 12) with breakfast bar, solid surface counters and solid wood cabinets, and a kitchen/family room combo for easy flow; ceramic tile in main living areas and carpet in the primary bedroom. The primary suite is on the main floor with a built-in closet and ceiling fan; additional interior comforts include attic fan, ceiling fans, thermostat, window treatments, a laundry area, central A/C and heat. Outside is an inviting private in-ground gunite pool with lighting and screened enclosure, sliding doors to the lanai/pool area, irrigation, exterior lighting, block & stucco construction with tile roof and slab foundation. Utilities are public water and sewer with electricity, cable and high-speed internet available; appliances included are dishwasher, disposal, microwave, refrigerator, washer, dryer and electric water heater. Property is in Flood Zone AE (panel 12015C0243G; flood date 12/15/2022), has no CDD or HOA fees, allows pets, and includes an attached 2-car garage with paved road access.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,213
Sqft
0.22 ac
Lot size
2
Garage
1984
Year built
One
Levels
$225
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,115 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,115/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−19.5%
$/sqft vs PUNTA GORDA ISLES SEC 15
$225 vs $333
Days on market
18 vs 59 typical
Where $225/sqft sits among the 20 homes for sale in PUNTA GORDA ISLES SEC 15
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Punta Gorda
Get to know Punta Gorda. See the full Punta Gorda guide →
PUNTA GORDA 33950 — neighborhood snapshot
Population
24,492
Median age
64.6
Median income
$74,484
Median home value
$393,500
Avg household
1.98
Households w/ children
1,614
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$345K → $345K
Punta Gorda median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
8 of 20
PUNTA GORDA ISLES SEC 15 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 454 MONACO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$565,000
325 MADRID BOULEVARD · same community
3 bd · 2.5 ba · 2,236 sqft · $253/sqft · 225 DOM
Sold · Dec ’25$679,000
3700 CANDIA DRIVE · same community
3 bd · 2.5 ba · 2,174 sqft · $312/sqft · 1 DOM
Sold · Aug ’25$530,000
3398 TRIPOLI BOULEVARD · same community
3 bd · 2.5 ba · 2,262 sqft · $234/sqft · 72 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Gavin Hatcher
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 454 MONACO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 454 MONACO DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Gavin's phone and CRM.
Straight answers
454 MONACO DRIVE FAQs
What would the monthly payment be for 454 MONACO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,115/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 454 MONACO DRIVE?+
The most recent tax bill on record (2025) was $9,557. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 454 MONACO DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Punta Gorda?+
At $499,000, this home is listed about 45% above the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 454 MONACO DRIVE?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP MVP · Chadwick Knight. MLS #C7527953.
IDX 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 accurate by Stellar MLS.
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