$320,000
SOLD SEP 5, 2025
4 Beds
2 Baths
2,339 Sq Ft
9,148 Sq Ft Lot

Recently Sold

$137 Per Sq Ft

6% Below List Price

83 Days on Market

Highlights

  • Lake Front
  • Fitness Center
  • Gated Community
  • Sallie Jones Elementary School Rated A-
  • Home fronts a pond
  • Open Floorplan

About This Home

As of September 2025

Great opportunity motivated seller, transferable VA 3.75 mortgage. Welcome to the beautiful gated community of Waterford Estates in historic Punta Gorda. This well maintained residence, built in 2015, offers 4 spacious bedrooms, 2 bathrooms, and over 2,300 square feet of living space, this a is a ready move in property. The home features a screened entryway that leads you into a open floor plan. To the left is the master suite and bath. Three guest bedrooms to the right, with large closet space. These rooms share a bathroom with a convenient tub/shower combo. A large laundry room with additional storage. Walk into the large great room/family room where you will enjoy entertaining your family and friends. The dining room connects to the kitchen. The kitchen complete with an island, abundant cabinetry, a large pantry, and a dinette area that opens to a covered and screened patio through sliding glass doors. On the opposite side of the home, the expansive primary suite offers a private retreat. The suite includes a en-suite bathroom and a large walk-in closet. Take a walk up to beautiful lake views and the ambiance of your neighborhood sanctuary. The property also boasts a brand-new roof in 2022, ensuring peace of mind and longevity Recent water heater. Furniture is available and negotiable. Additional conveniences include a 2-car garage with storage including an attic. This community offers a active lifestyle with 24-hour gated security, two beautiful pools, a fitness center, clubhouse with billiards, a kitchen and entertainment space, pickleball courts. Assortment of activity for everyone. The HOA maintains the lawn and irrigation. You're just a short drive from downtown Historic Punta Gorda and Fishermen Village, offering shopping, dining, boating, sailing, golf, and entertainment with access to I-75 and US-41.

Last Agent to Sell the Property

Lenny Lesaltato

KELLER WILLIAMS ISLAND LIFE REAL ESTATE Brokerage Phone: 941-254-6467 License #3576057 Listed on: 04/10/2025

KELLER WILLIAMS ISLAND LIFE REAL ESTATE

Last Buyer's Agent

Arlene Epting

FIVE STAR REALTY OF CHARLOTTE License #3257394

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $6,616

Year Built

  • Built in 2015

Lot Details

  • 9,140 Sq Ft Lot
  • Home fronts a pond
  • Lake Front
  • North Facing Home
  • Landscaped with Trees
  • Property is zoned RMF10

HOA Fees

Parking

  • 2 Car Attached Garage

Property Views

  • Lake
  • Pond
  • Woods
  • Garden

Home Design

  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,339 Sq Ft Home
  • 1-Story Property
  • Open Floorplan
  • Ceiling Fan
  • Shades
  • Blinds
  • Rods
  • Sliding Doors
  • Entrance Foyer
  • Family Room Off Kitchen
  • Living Room

Kitchen

  • Range
  • Microwave
  • Dishwasher
  • Solid Surface Countertops
  • Disposal

Flooring

  • Carpet
  • Laminate
  • Ceramic Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Walk-In Closet
  • 2 Full Bathrooms
  • Shower Only

Laundry

  • Laundry Room
  • Dryer
  • Washer

Home Security

  • Hurricane or Storm Shutters
  • Fire and Smoke Detector

Schools

  • Sallie Jones Elementary School
  • Punta Gorda Middle School
  • Charlotte High School

Utilities

  • Central Heating and Cooling System
  • Thermostat
  • Underground Utilities
  • Electric Water Heater
  • Phone Available
  • Cable TV Available

Additional Features

  • Accessible Entrance
  • Reclaimed Water Irrigation System
  • Covered Patio or Porch
  • Flood Insurance May Be Required

Listing and Financial Details

Community Details

Overview

  • Association fees include common area taxes, pool, electricity, escrow reserves fund, insurance, maintenance structure, ground maintenance, maintenance, management, pest control, private road
  • Ana Shapiro Association, Phone Number (239) 344-8733
  • Visit Association Website
  • Waterford Estates Association, Phone Number (239) 344-8733
  • Waterford Estates Community
  • Waterford Estates Subdivision
  • On-Site Maintenance
  • The community has rules related to building or community restrictions, deed restrictions, fencing, allowable golf cart usage in the community
  • Community Lake

Recreation

  • Tennis Courts
  • Recreation Facilities
  • Community Playground
  • Fitness Center
  • Community Pool
  • Park
  • Trails

Additional Features

  • Clubhouse
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$6,616

Year Built

Built in 2015

Lot Details

9,140 Sq Ft Lot

HOA Fees

$221 per month

Parking

2

Listing Details

  • HOA Fee Includes: Common Area Taxes, Pool, Electricity, Escrow Reserves Fund, Insurance, Maintenance Structure, Maintenance Grounds, Maintenance, Management, Pest Control, Private Road
  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Architectural Style: Ranch
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 2339
  • Lot Size Acres: 0.21
  • New Construction: No
  • Year Built: 2015
  • Accessibility Features: Accessible Entrance
  • Building Area Total: 2970
  • Lot Size Sq Ft: 9140
  • Status: Sold
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 275.92
  • Escrow State: FL
  • Minimum Lease: No Minimum
  • RATIO Current Price By Calculate: 136.81
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 0
  • MFR_InLawSuiteYN: 0
  • MFR_DockYN: 0
  • MFR_CommunityAssociationWaterFeatures: Lake
  • Attribution Contact: 941-254-6467
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile, Laminate
  • Full Bathrooms: 2
  • Interior Amenities: Ceiling Fans(s), Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Thermostat, Walk-In Closet(s), Window Treatments
  • Appliances Included: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Stories: 1
  • Window Features: Blinds, Rods, Shades, Window Treatments
  • Additional Rooms: Family Room
  • Living Area Meters: 217.30

Exterior Features

  • Direction Faces: North
  • Exterior Features: Hurricane Shutters, Sidewalk, Sliding Doors
  • Roof: Shingle
  • Home Warranty: No
  • Pool Private: No
  • View: Garden, Trees/Woods
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Front Porch, Rear Porch
  • Road Surface Type: Asphalt, Paved
  • Water View: Lake,Pond
  • Water View YN: 1
  • Waterfront Feet Total: 0
  • Flood Zone Panel: 12015C0242G

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes

Utilities

  • Utilities: Cable Available, Electricity Connected, Phone Available, Public, Sewer Connected, Sprinkler Recycled, Underground Utilities, Water Connected
  • Cooling: Central Air
  • Heating: Central, Electric
  • Laundry Features: Inside, Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Clubhouse, Deed Restrictions, Fitness Center, Gated Community - No Guard, Golf Carts OK, Irrigation-Reclaimed Water, Park, Playground, Pool, Sidewalks, Special Community Restrictions, Tennis Court(s), Street Lights
  • Association Amenities: Clubhouse, Fence Restrictions, Fitness Center, Gated, Maintenance, Pool, Recreation Facilities, Trail(s)
  • Association Fee: 349
  • Association Fee Frequency: Quarterly
  • Association Name: Ana Shapiro
  • Phone: 239-344-8733
  • Association: Yes
  • Security: Smoke Detector(s)
  • Senior Community: No
  • Association #2 Fee: 316.31
  • Association #2 Fee Frequency: Quarterly
  • Association: Waterford Estates
  • Association Phone #2: 239-344-8733
  • Association 2 YN: 1
  • Association Approval Required YN: 0
  • Association Fee Requirement: Required
  • Association Email: ashapiro@precedentmgt.com
  • Association URL: www.waterfordestatescdd.com
  • Management: On Site Property Manager

Fee Information

  • Total Annual Fees: 2661.24
  • Total Monthly Fees: 221.77
  • Monthly HOA Amount: 116.33

Schools

  • Elementary School: Sallie Jones Elementary
  • High School: Charlotte High
  • Middle Or Junior School: Punta Gorda Middle

Lot Info

  • Zoning: RMF10
  • Parcel Number: 412308476004
  • Additional Parcels: No
  • Lot Features: Flood Insurance Required, Landscaped, Sidewalk, Paved
  • Property Attached Yn: No
  • Flood Zone Code: AE

Rental Info

  • Furnished: Negotiable
  • Pets Allowed: Cats OK, Dogs OK
  • Lease Restrictions YN: 0

Tax Info

  • Tax Annual Amount: 6615.57
  • Tax Book Number: 20-1
  • Tax Lot: 71
  • Tax Other Annual Assessment Amount: 1175

Multi Family

  • Waterfront Features: Lake Front, Pond

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 10, 2025
Closed on
Aug 28, 2025
Sold by
Smugala Thomas J
Bought by
Pauls Carol Ann and Bouchoux Rodney James
Seller's Agent
Lenny Lesaltato
KELLER WILLIAMS ISLAND LIFE REAL ESTATE
Buyer's Agent
Arlene Epting
FIVE STAR REALTY OF CHARLOTTE
List Price
$339,000
Sold Price
$320,000
Premium/Discount to List
-$19,000
-5.6%
Views
52
Current Estimated Value
$323,856

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$3,856
Avg. Annual Appreciation
2.24%
Original Mortgage
$314,204
Outstanding Balance
$314,204
Interest Rate
6.74%
Mortgage Type
FHA
Estimated Equity
$9,652

Purchase Details

Closed on
Jan 16, 2024
Sold by
Linda R Smugala Trust
Bought by
Linda R Smugala Trust and Franke

Purchase Details

Closed on
Dec 2, 2019
Sold by
Smugala Linda R
Bought by
Smugala Linda R and Linda R Smugala Trust

Purchase Details

Closed on
Sep 10, 2015
Sold by
D R Horton Inc
Bought by
Smugala Robert T and Smugala Linda R

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$122,000
Interest Rate
4.02%
Mortgage Type
VA

Purchase Details

Closed on
May 30, 2013
Sold by
Maxcy Development Group Holdings Waterfo
Bought by
D R Horton Inc
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $320,000 None Listed On Document
Deed Of Distribution $100 None Listed On Document
Interfamily Deed Transfer -- Attorney
Warranty Deed $204,270 Dhi Title Of Florida Inc
Special Warranty Deed $720,000 Attorney
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $314,204 FHA
Previous Owner $122,000 VA
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
09/05/2025 09/05/25 Sold $320,000 -1.8% $137 / Sq Ft
07/02/2025 07/02/25 Pending -- -- --
06/04/2025 06/04/25 Price Changed $325,900 -2.6% $139 / Sq Ft
05/07/2025 05/07/25 Price Changed $334,500 -1.3% $143 / Sq Ft
04/10/2025 04/10/25 For Sale $339,000 -- $145 / Sq Ft
Source: Stellar MLS

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $6,616 $330,520 $42,500 $288,020
2024 $1,718 $359,431 $42,500 $316,931
2023 $1,718 $206,915 $0 $0
2022 $1,677 $200,888 $0 $0
2021 $1,666 $195,037 $0 $0
2020 $1,634 $192,344 $0 $0
2019 $1,572 $188,020 $0 $0
2018 $1,445 $184,514 $0 $0
2017 $1,374 $180,719 $0 $0
2016 $1,368 $177,002 $0 $0
2015 $1,289 $9,350 $0 $0
2014 $1,243 $8,500 $0 $0
Source: Public Records

Agents Affiliated with this Home

  • Section Image
  • Section Image
See All Agents

Map

Source: Stellar MLS

MLS Number: N6138048

Stellar MLS

APN: 412308476004

Your Personal Tour Guide

Ask me questions while you tour the home.