3704 PEBBLE TERRACE, PUNTA GORDA, FL, 33980
Active139 days on marketListed Mar 7, 2026MLS #C7522833
About this home
3704 PEBBLE TERRACE
MODEL-PERFECT HOME IN THE RIVER CLUB: Located in the pristine gated community of River Club, this impeccably maintained 4-bedroom, 2-bath home truly shows like a model and is tastefully decorated throughout. Being furnished with some exclusions, this home offers a convenient move-in ready opportunity. The open floor plan creates a welcoming atmosphere and allows for easy interaction with family and guests, making it ideal for both everyday living and entertaining. The spacious living area flows seamlessly to the extended screened lanai, providing the perfect place to relax and enjoy Florida’s beautiful weather. The large primary ensuite offers a private retreat, thoughtfully positioned away from the other bedrooms for added privacy. Guest bedrooms are comfortable and inviting, while the fourth bedroom is currently used as a den, offering flexibility for a home office, hobby room, or additional guest space. Additional conveniences include an interior laundry room and a well-designed floor plan that maximizes both comfort and functionality. Residents of River Club enjoy the security and charm of a beautifully maintained gated community, while remaining close to shopping, dining, and the waterfront lifestyle of nearby Punta Gorda. Gathering at the community pool is a favorite neighborhood tradition, inspiring friendships and lifelong neighbors. ***Please enjoy the 3D Virtual Tour that walks you through this well-thought-out floor plan and showcases everything this beautiful home has to offer***
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,846
Sqft
0.17 ac
Lot size
2
Garage
2020
Year built
One
Levels
$176
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 and the real association fee — not generic estimates.
$2,819 /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
$2,819/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.
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
+0.9%
$/sqft vs RIVER CLUB
$176 vs $181
Days on market
139 vs 59 typical
Where $176/sqft sits among the 12 homes for sale in RIVER CLUB
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 33980 — neighborhood snapshot
Population
13,235
Median age
63.4
Median income
$61,871
Median home value
$221,200
Avg household
2.09
Households w/ children
956
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)
6 of 12
RIVER CLUB have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 139% above the PUNTA GORDA 33980 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 3704 PEBBLE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$290,000
3860 COBBLESTONE LANE · same community
4 bd · 2 ba · 1,846 sqft · $157/sqft · 64 DOM
Sold · Mar ’26$382,000
4276 RIVER BANK WAY · same community
3 bd · 2 ba · 1,834 sqft · $208/sqft · 58 DOM
Sold · Jul ’26$307,000
24033 CANAL STREET · same community
3 bd · 2 ba · 1,832 sqft · $168/sqft · 74 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 3704 PEBBLE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3704 PEBBLE TERRACE — 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
3704 PEBBLE TERRACE FAQs
What would the monthly payment be for 3704 PEBBLE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,819/mo — principal and interest, the actual property-tax bill, the $398/mo association fee 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.
How much are the HOA fees at 3704 PEBBLE TERRACE?+
The association fee works out to $398 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3704 PEBBLE TERRACE?+
The most recent tax bill on record (2025) was $2,453. 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 3704 PEBBLE TERRACE?+
The listing reports pets: Number Limit. 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 $325,000, this home is listed about 6% 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 3704 PEBBLE TERRACE?+
Kingsway Elementary School (elementary), Port Charlotte Middle School (middle), Charlotte High School (high) — 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
$325,000 runs 139% above the PUNTA GORDA 33980 median.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
139 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 ALLIANCE GROUP · Denise Henry. MLS #C7522833.
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.
Never miss a listing
New Punta Gorda homes, in your inbox
Like 3704 PEBBLE TERRACE but not quite? A daily digest of every new listing in Punta Gorda — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →