12339 COGNAC DRIVE, PUNTA GORDA, FL, 33955
Active286 days on marketListed Oct 11, 2025MLS #C7516004
About this home
12339 COGNAC DRIVE
Rare opportunity! Two lots combined into a single parcel, totaling almost 0.40 acres, in Tropical Gulf Acres, Punta Gorda. This property offers major possibilities for the savvy buyer—build your dream home, hold as an investment, or create your custom retreat. Enjoy paved road frontage, nearby utilities, and convenient access to US-41 and I-75. Zoned RSF3.5 with no HOA, this lot gives you the freedom and flexibility to design your vision. Self-access property—drive by anytime!
Facts & features
The home at a glance
0.36 ac
Lot size
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.
$378 /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
$378/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.
Where it sits
Inside Tropical Gulf Acres
Get to know Punta Gorda. See the full Punta Gorda guide →
Tropical Gulf Acres — neighborhood snapshot
Population
1,094
Median age
60
Median income
$64,964
Median home value
$246,900
Avg household
2
Households w/ children
131
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)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% below the PUNTA GORDA 33955 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 12339 COGNAC DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$250,000
27444 CORINTHIAN DRIVE · same community
2 bd · 1.5 ba · 962 sqft · $260/sqft · 21 DOM
Sold · Feb ’26$245,000
27508 HOLLYWOOD DRIVE · same community
2 bd · 1.5 ba · 962 sqft · $255/sqft · 92 DOM
Sold · Mar ’26$235,000
27141 ALHAMBRA DRIVE · same community
2 bd · 2 ba · 1,120 sqft · $210/sqft · 11 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12339 COGNAC DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12339 COGNAC DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
12339 COGNAC DRIVE FAQs
What would the monthly payment be for 12339 COGNAC DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $378/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 12339 COGNAC DRIVE?+
The most recent tax bill on record (2024) was $720. 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 12339 COGNAC 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 $24,900, this home is listed about 93% below the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 12339 COGNAC 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.
The brief
Three things that matter here
01Under the PUNTA GORDA 33955 market on paper
$24,900 is 39% below the PUNTA GORDA 33955 median of $41,000.
02Time on market is leverage
286 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $32,000, now $24,900 — a $7K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Grettel Piquero Dominguez. MLS #C7516004.
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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