Eric Chery
$2,800,000$2,900,0004 bd4.5 ba4,607 sqft$608 /sqft$18,358 /mo all-in ↓

3 HIBISCUS DRIVE, PUNTA GORDA, FL, 33950

Active183 days on marketListed Jan 21, 2026MLS #C7520481

Reduced $100KWaterfrontPrivate poolSingle Family ResidencePUNTA GORDA ISLES SEC 04

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

Private poolWaterfrontFireplacePool & Water viewPets allowed

Inside

FlooringOther
AppliancesBuilt-In Oven · Convection Oven · Dishwasher · Dryer · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stone · Stucco
FoundationSlab · Stem Wall
ViewPool · Water
FacesSouth
ParkingCircular Driveway · Garage Door Opener · Oversized
ExteriorBalcony · French Doors · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$24,469/yr
PetsYes
CommunityDeed Restrictions

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected
WaterPublic

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%

Principal & interest$15,109
PMI (est., until 20% equity)$1,050
Property tax — 2025 actual bill$2,039
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $280,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $280,000
Interest rate6.00%
Loan term

Estimated payment

$18,358/mo

Principal & interest$15,109
PMI (est., until 20% equity)$1,050
Property taxes (actual bill)$2,039
Est. insurance$160

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

Map of 3 HIBISCUS DRIVE

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

MiddlePunta Gorda Middle School★★★★★
HighCharlotte High School★★★★★
ElementaryEast Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Punta Gorda market

Seller’s marketBalanced6.0 months of inventoryBuyer’s 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

CurrentPrice reduced to $2,800,000 $100K
Jan 21, 2026Listed at $2,900,000 · 183 days on market since
2004Built · PUNTA GORDA ISLES SEC 04

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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3 HIBISCUS DRIVE — start here.

Andrew Acosta

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.

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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