
48 COLONY POINT DRIVE, PUNTA GORDA, FL, 33950
Active178 days on marketListed Jan 28, 2026MLS #C7520870
About this home
48 COLONY POINT DRIVE
Water defines the experience from the first glance to the final sunset. With swift, DIRECT sailboat access to Charlotte Harbor and the open Gulf beyond, this waterfront residence offers effortless boating paired with a thoughtfully upgraded living environment within the desirable Punta Gorda Isles community. The home features 3 bedrooms, 3.5 baths, and a versatile loft or bonus room in an open, split-bedroom main floor layout that feels both expansive and inviting. Brazilian cherry hardwood floors in the master and loft, a fully refreshed interior, and custom plantation shutters establish a timeless aesthetic, while natural light fills the great room with its volume ceilings, gas fireplace, and expansive sliders opening seamlessly to the lanai. The kitchen blends beauty and function with a five-burner gas cooktop, under-counter wine chiller, generous cabinetry, and a buried 500-gallon propane tank supporting indoor and outdoor features. The primary suite is privately positioned on the main level with direct lanai access, a spacious custom California closet, and a well-appointed bath retreat. Two additional guest bedrooms are also located on the main floor, including one with an en-suite bath and lanai access, offering comfort and privacy for family or visitors. Upstairs, a versatile loft-style space with a convenient half bath opens to a private balcony with elevated water views, making it ideal for a home office, media lounge, or flexible retreat. Outdoor living is a destination of its own, highlighted by a heated pool and spa professionally resurfaced with Pebble Tec in 2024 and enhanced with full automation, waterfalls, fire bowls, and sculptural water features. The screened lanai is designed for effortless entertaining with ambient party lighting, ceiling fan and light combinations, and a fully equipped outdoor kitchen featuring granite countertops, a Coyote grill, dual propane burners, refrigerator, and roof-vented hood. A new walkway leads you down to a concrete dock that was constructed in 2023 providing shore power, fresh water, and exceptional functionality, including two boat lifts replaced in 2023 and rated at 12,000 and 6,000 pounds, along with an additional lift for a kayak or small craft, making quick harbor access (2 minutes to open water) part of everyday life. Additional improvements include two new air conditioning units (installed 2020), a standing-seam metal roof (2023), professional landscaping enhancements in 2024, 2024 Whirlpool, impact-rated doors, Bahama shutters, a motorized front porch sunshade, updated exterior lighting, and an oversized two-car garage with epoxy flooring, custom cabinetry, and extended storage. Dual-zone climate control, multiple water heaters, owned security equipment, and electronic shade and locking systems complete this home, which is shaped by intention, elevated by its setting, and designed for a lifestyle that values both ease and excellence.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,846
Sqft
0.22 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$615
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.
$11,617 /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
$11,617/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.
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
+39.2%
$/sqft vs Punta Gorda actives
$615 vs $209
Days on market
178 vs 59 typical
Where $615/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 543% 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 48 COLONY POINT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$550,000
68 COLONY POINT DRIVE · same community
3 bd · 2 ba · 2,033 sqft · $271/sqft · 9 DOM
Sold · Jan ’26$525,000
48 HIBISCUS DRIVE · same community
3 bd · 2 ba · 1,387 sqft · $379/sqft · 266 DOM
Sold · Feb ’26$690,000
1592 AQUI ESTA DRIVE
3 bd · 2 ba · 2,987 sqft · $231/sqft · 114 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 48 COLONY POINT DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 48 COLONY POINT 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
48 COLONY POINT DRIVE FAQs
What would the monthly payment be for 48 COLONY POINT DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,617/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 48 COLONY POINT DRIVE?+
The most recent tax bill on record (2025) was $16,298. 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 48 COLONY POINT 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 $1,750,000, this home is listed about 407% 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 48 COLONY POINT 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
01Positioned at the premium end
$1,750,000 runs 543% above the PUNTA GORDA 33950 median — but at 2,846 sqft it's also 66% larger than 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
178 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HARBOR REALTY · Bobbi Bevis. MLS #C7520870.
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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