3129 BANYAN WAY, PUNTA GORDA, FL, 33950
Active24 days on marketListed Jul 8, 2026MLS #C7528175
About this home
3129 BANYAN WAY
Experience the best of Southwest Florida waterfront living with this incredible opportunity in the highly desirable Charlotte Park community! Situated on TWO fully fenced lots with an impressive 147 feet of canal frontage, this versatile two-story home offers direct boating access to Charlotte Harbor, making it the perfect fit for boaters, investors, or anyone looking for flexible living options. Beautifully renovated from top to bottom, this move-in ready home leaves nothing untouched. Featuring a NEW roof, NEW impact-rated windows and doors, TWO beautifully updated kitchens, NEW flooring throughout, completely renovated bathrooms, and countless additional interior and exterior improvements, every detail has been thoughtfully updated so the next owner can simply move in and start enjoying the Florida lifestyle. Designed with versatility in mind, the lower level features its own private entrance complete with a spacious bedroom, full bathroom, comfortable living area, and fully equipped kitchen—creating the perfect setup for families, extended guests, seasonal visitors, or income-producing rental potential. Upstairs, natural light fills the open living spaces where you'll find two additional bedrooms, an updated kitchen with plenty of room to gather, an inviting living area, and an expansive wraparound deck overlooking the canal—the perfect place to enjoy your morning coffee or unwind while taking in breathtaking Florida sunsets. Outside is where this property truly shines. The oversized double lot offers endless opportunities for entertaining, gardening, pets, or storing your boat, trailer, RV, and all your waterfront toys. Launch your boat right from your backyard and spend your days exploring Charlotte Harbor, waterfront restaurants, nearby islands, and the Gulf of Mexico. Whether you're searching for a full-time residence, seasonal retreat, vacation rental, or a home that comfortably accommodates the entire family, this property offers exceptional flexibility without sacrificing the waterfront lifestyle. Opportunities like this—with 147 feet of canal frontage, two fully fenced lots, direct boating access, an extensively renovated interior and exterior, and a flexible floor plan—are few and far between.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,240
Sqft
0.45 ac
Lot size
1987
Year built
Two
Levels
$208
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.
$3,353 /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
$3,353/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
+15.2%
$/sqft vs Punta Gorda actives
$208 vs $206
Days on market
24 vs 59 typical
Where $208/sqft sits among the 400 Punta Gorda actives
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)
178 of 400
Punta Gorda actives have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 74% 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 3129 BANYAN WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$165,000
1000 MARLIN DRIVE · same community
3 bd · 2 ba · 1,543 sqft · $107/sqft · 7 DOM
Sold · Apr ’26$630,000
1600 SUZI STREET
3 bd · 2.5 ba · 2,239 sqft · $281/sqft · 38 DOM
Sold · Jul ’26$610,000
1346 OSPREY DRIVE
3 bd · 2.5 ba · 2,276 sqft · $268/sqft · 38 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 3129 BANYAN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3129 BANYAN WAY — 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
3129 BANYAN WAY FAQs
What would the monthly payment be for 3129 BANYAN WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,353/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 3129 BANYAN WAY?+
The most recent tax bill on record (2025) was $2,999. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Punta Gorda?+
At $465,000, this home is listed about 35% 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 3129 BANYAN WAY?+
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 RE/MAX ALLIANCE GROUP · Jennifer Taylor. MLS #C7528175.
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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