
3 HIBISCUS DRIVE, PUNTA GORDA, FL, 33950
Active183 days on marketListed Jan 21, 2026MLS #C7520481
About this home
3 HIBISCUS DRIVE
Simply one of the most impressive homes available in Punta Gorda. This harbor front, custom-built, two-story Towles home offers approx 240 feet of seawall, a 120-foot dock, and a 20,000-pound boat lift. The expansive lanai and deck provide stunning, uninterrupted views of Charlotte Harbor and beyond, highlighted by a spectacular 50-foot infinity-edge pool with swim-up table and seating. No expense was spared in the construction of this exceptional residence. Notable features include custom mahogany double front doors handcrafted in Honduras; concealed lanai power hurricane shutters; impact-resistant windows; and a fireplace constructed from Mediterranean-cut coral. A dramatic spiral staircase leads to a bridge accessing twin second-floor suites, each with private baths and walk-in closets. The second floor also offers a guest laundry, kitchenette, and a balcony that perfectly captures the Florida lifestyle. The gourmet kitchen features abundant custom cherry cabinetry by Yoder Kitchen of Nappanee, Indiana (Amish-crafted), expansive granite countertops, double ovens with microwave and convection capabilities, two dishwashers, and a large warming drawer. An incredible 1890s-style saloon provides a one-of-a-kind space for entertaining. The home sustained damage during Hurricane Ian; approximately 95% of repairs have been completed, along with numerous upgrades. The property is being sold as-is, allowing the buyer the opportunity to add their own finishing touches. A truly rare opportunity to own a landmark waterfront estate. Lot 1 can be purchased with home. Call for more information.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,607
Sqft
0.41 ac
Lot size
3
Garage
2004
Year built
Two
Levels
$608
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.
$18,358 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$18,358/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 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)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 926% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
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 3 HIBISCUS DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3 HIBISCUS 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
3 HIBISCUS DRIVE FAQs
What would the monthly payment be for 3 HIBISCUS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,358/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 3 HIBISCUS DRIVE?+
The most recent tax bill on record (2025) was $24,469. 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 3 HIBISCUS 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 $2,800,000, this home is listed about 712% 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 3 HIBISCUS 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
Four things that matter here
01Positioned at the premium end
$2,800,000 runs 926% above the PUNTA GORDA 33950 median — but at 4,607 sqft it's also nearly 3 times the size of the typical Punta Gorda listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
183 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $2,900,000, now $2,800,000 — a $100K cut. The full history is in the market section below.
Listing courtesy of MARINA PARK REALTY LLC · Chris McMillan. MLS #C7520481.
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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