Punta Gorda Homes under $400,000

Punta Gorda Homes under $400,000

Welcome to Punta Gorda, Florida – a hidden gem on the southwestern coast that perfectly blends the charm of a small town with the allure of waterfront living. Known for its picturesque canals, vibrant arts scene, and a welcoming community, Punta Gorda is an ideal destination for those seeking a tranquil lifestyle without sacrificing modern conveniences.

Nestled along the shores of Charlotte Harbor, this delightful city offers an array of outdoor activities, from boating and fishing to biking along scenic trails. With its historic downtown brimming with boutique shops, delightful cafes, and lively farmers' markets, residents can enjoy a rich cultural experience right at their doorstep. The warm Florida climate and stunning sunsets over the water make every day feel like a vacation.

For homebuyers looking for affordability without compromising on quality, Punta Gorda presents an impressive selection of homes under $400,000. Whether you're seeking a cozy single-family residence, a charming townhouse, or a low-maintenance condo, this vibrant community has something to suit every taste and budget. These homes often feature modern amenities, spacious layouts, and access to the beautiful outdoors, making them perfect for families, retirees, or anyone in between.

With its friendly atmosphere, affordable housing options, and breathtaking natural beauty, Punta Gorda is not just a place to live – it's a place to thrive. Embrace the lifestyle you've always dreamed of in this enchanting Florida city, where every day offers new opportunities for adventure and relaxation. Come discover why Punta Gorda is the perfect place to call home!

Newest Punta Gorda Homes under $400,000

300 Tarpon Way, Punta Gorda
$320,000
2 Beds ⋅ 2 Baths ⋅ C7531220 MLS
100 FT OF SALTWATER CANAL FRONTAGE + UPDATED KITCHEN + 2019 ROOF + 2-CAR GARAGE! Welcome to 300 Tarpon Way, a spacious 2-bedroom, 2-bathroom waterfront home offering 1,818 sq ft of living space in the desirable Charlotte Park community of Punta Gorda. Situated on a 0.23-acre lot with approximately 100 feet of waterfront, this home offers direct access to the area’s waterways with a concrete seawall and dock. Important updates and highlights include a 2019 SHINGLE ROOF, 2017 WATER HEATER, UPDATED ELECTRICAL PANEL WITH GENERATOR HOOKUP, UPDATED KITCHEN, and 2-CAR GARAGE. The home is constructed of block and also features an interior laundry room, concrete seawall, and concrete dock. Step inside to an open and inviting floor plan highlighted by soaring cathedral ceilings, abundant natural light, and a spacious living and dining area. The living room features a masonry fireplace, while an expansive Florida room stretches across the rear of the home, providing additional living space and views toward the canal. A combination of tile, laminate, and carpet flows throughout the home. The updated kitchen features crisp white shaker-style cabinetry, stone countertops, stainless steel appliances, a stylish tile backsplash, and a breakfast bar overlooking the main living area. An adjacent dinette surrounded by windows provides the perfect spot for casual dining while enjoying views of the backyard and water. The generously sized primary suite includes a walk-in closet and private en-suite bathroom with a walk-in shower, stone-top vanity, and private water closet. The second bedroom is also impressively sized with a built-in closet, while the guest bathroom offers a tub/shower combination and stone-top vanity. Outside, the waterfront setting takes center stage. Approximately 100 feet of saltwater canal frontage, a concrete seawall, and concrete dock provide the opportunity to enjoy the Southwest Florida waterfront lifestyle right from your backyard. The spacious yard offers plenty of room to relax, entertain, or create your own outdoor retreat. Conveniently located in Punta Gorda with easy access to shopping, dining, boating, and everything Southwest Florida has to offer, 300 Tarpon Way combines generous living space, valuable updates, and waterfront living in one property. Schedule your private showing today!

300 Tarpon Way, Punta Gorda
26485 Rampart Boulevard Unit E23, Punta Gorda
$115,000
2 Beds ⋅ 2 Baths ⋅ A4707352 MLS ⋅ E BLDG.
Lowest-Priced Condo in Deep Creek with Affordable HOA! Enjoy easy Florida living in this second-floor Punta Gorda condo with no neighbors above. Features a desirable split-bedroom layout, two bedrooms with walk-in closets, an updated kitchen with wood cabinets, and a screened, enclosed balcony for added living space. Includes a newer stackable washer & dryer and a remodeled guest bath with walk-in shower and glass door. Located in Villa Manor at Deep Creek, offering a large, screened community pool, nearby golf courses, and an affordable HOA fee. Minutes to downtown Punta Gorda, dining, medical facilities, shopping, and social events. Gulf Coast beaches just a short drive away. No pets allowed. Schedule your showing today! More photos coming soon.

26485 Rampart Boulevard Unit E23, Punta Gorda
14211 Heritage Landing Boulevard Unit 1422, Punta Gorda
$218,000
2 Beds ⋅ 2 Baths ⋅ C7531679 MLS ⋅ Birkdale BLDG.
Start your morning with coffee on the screened corner lanai, looking out across a lovely park-like setting framed by a preserve, with the lake off to the side. It’s a peaceful spot to linger before heading to the satellite pool just steps away. At 14211 Heritage Landing Blvd #1422 in Punta Gorda, this second-floor Birkdale offers a chance to enjoy that easy Florida lifestyle at a price that makes owning your own getaway more affordable. Only a year old, the home already has the personal touches that make it feel better than new. Custom paint and designer lighting give the interior a finished, welcoming feel, while white shaker cabinets, quartz counters, stainless steel appliances and a custom backsplash come together beautifully in the kitchen. Tile laid on the diagonal complements the space, and a deeded covered parking spot and deeded storage closet add everyday convenience. Whether you’re searching for a second home or a Florida investment property, there’s something especially appealing about finding a nearly new home with the extras already in place. Social membership is included, giving you access to Heritage Landing’s resort amenities without the additional golf membership fees. Your days here can revolve around a morning swim, an afternoon on the courts and dinner with friends, without paying for a golf membership you don’t need. Heritage Landing Golf & Country Club Behind the guard-gated entry, spend an afternoon at the zero-entry tropical resort pool with lap lanes, stop for lunch and a drink at the poolside café and full bar, or make dinner plans at the clubhouse, with both fine and casual dining available within the community. A state-of-the-art fitness center and separate aerobics studio make it easy to keep your routine, while the full-service spa offers a welcome excuse to slow down with a massage. Heritage Landing Golf & Country Club Pickleball is a big part of life here, with six dedicated courts and a very active program welcoming all skill levels. Join open play, take a lesson or clinic, or enjoy a social tournament—it’s as much about meeting people as playing the game. Six Har-Tru tennis courts, two bocce courts and four satellite pools offer even more ways to spend the day. A full-time social activities director brings neighbors together through live music, community gatherings and seasonal celebrations, so your calendar can be as full or as relaxed as you like. Heritage Landing Golf & Country Club Nearby Burnt Store Marina makes it easy to plan days around boating, fishing and exploring Charlotte Harbor. Safe Harbor Head into downtown Punta Gorda for waterfront dining, locally owned shops and an evening stroll along the Harborwalk, or spend an afternoon browsing the shops and restaurants at Fishermen’s Village. Pure Florida After a day on the courts or out on the harbor, come home to the quiet of your corner lanai. Nearly new, thoughtfully upgraded and attractively priced, this is a welcoming way to make the Florida lifestyle your own.

14211 Heritage Landing Boulevard Unit 1422, Punta Gorda
720 Dania Court, Punta Gorda
$289,000
2 Beds ⋅ 2 Baths ⋅ C7531629 MLS
Great Waterfront Home with Direct Sailboat Access to Charlotte Harbor and onto the Gulf of Mexico Via Alligator Creek, take in some of the Best Boating and Fishing in all of Southwest Florida, give your Boat it’s very own home with new Dock and Boat Lift as of June 2026. Plus just a Short Drive to Waterfront Dining, Shopping, Downtown Punta Gorda Historic District, Walk and Bike Paths, Golf, Tennis, Pickleball, Punta Gorda Airport and More. This Spacious Two (2) Bedroom, Two (2) Bath Home with Spacious Family Room overlooking the Waterfront offers Ideal Entertaining Space, open Kitchen with abundant Cabinetry, inside Laundry Room, along with Covered Parking, This Home Offers the Relaxed Florida Waterfront Lifestyle you have been Looking for. We Invite you for a Tour today.*******

720 Dania Court, Punta Gorda
10100 Burnt Store Road Unit 21, Punta Gorda
$94,900
2 Beds ⋅ 2 Baths ⋅ C7531666 MLS
Beautiful inside and out! Affordable Florida home situated on a LARGE CORNER LOT with lots of updates including a NEWER THERMOPLASTIC ROOF for your peace of mind! NO FLOODING DURING STORMS! POPULAR PET FRIENDLY LOCATION "River Haven Community" a 55+ across the street from the Burnt Store Publix shopping center including Home Depot, Publix, Pet Superstore, Shipping Store and so much more! VERY CONVENIENT TO ALL AMENITIES including Walmart and just minutes to the 1-75 exit so you can get where you need to go quickly. This home features an updated kitchen with a huge pantry! The dining room is open to the living room and there's a HUGE FLORIDA ROOM with a new window A/C unit. FURNITURE is OPTIONAL AND ALL APPLIANCES ARE INCLUDED. 2 full beds and 2 full baths. LARGE INSIDE LAUNDRY ROOM WITH EXTRA STORAGE CABINETS AND CLOSET! ESCAPE TO YOUR OWN WINTER RETREAT WITH THIS AFFORDABLE HOME! Large outside screened lanai with 1 - car carport with plenty of room for your golf cart as well and large storage shed! THE LAUNDRY ROOM IS INSIDE FOR YOUR CONVENIENCE. River Haven is one of the prettiest parks in the area AND HAD NO FLOODING DURING ANY OF THE STORMS. The community offers their residents a host of amenities including a HEATED AND CAGED COMMUNITY POOL, clubhouse, marina with docks, park area, shuffleboard courts, and a boat storage area. Just a short drive from Historic Downtown Punta Gorda, where there are weekly farmer's markets, fine and casual dining including waterfront dining, miles of biking paths and FISHERMEN'S VILLAGE WATERFRONT MALL! There are many social events to keep you as engaged as you'd like to be. LOW HOA FEE IS ONLY $250/MO AND INCLUDES LAWN MOWING WATER & SEWER! With low fees and a welcoming community atmosphere, now is the perfect time to secure your winter retreat! Buyer must be interviewed (in person or virtually) and approved by the Board. Land is resident-owned and requires a 10-share purchase for $10,000 WHICH IS REFUNDABLE WHEN YOU SELL. Call today for a private showing and community tour!

10100 Burnt Store Road Unit 21, Punta Gorda
3127 Bayside Parkway, Punta Gorda
$274,900
3 Beds ⋅ 2 Baths ⋅ C7531642 MLS
WATERFRONT–LAND OWNERSHIP! Rare opportunity to own a beautiful waterfront 3 bedroom, 2-bath home in Pelican Harbor Mobile Home Estates, one of the area’s most desirable 55+ waterfront communities. Perfect for boating, kayaking, and fishing enthusiasts, this property delivers the ultimate blend of comfort, convenience, and coastal lifestyle. Inside, you’ll find a spacious split floor plan filled with natural light. The primary suite features a walk-in closet and ensuite bath with dual sinks, soaking tub, and separate shower. The bright, open kitchen offers ceramic tile flooring, an eat-in bar, and abundant cabinet space. A dedicated laundry room adds everyday convenience. The bonus room expands your living area with sliders that open to a massive deck overlooking the water—a perfect spot for entertaining or simply enjoying the view. Upgrades include a metal roof, new spray foam insulation underneath, and newer A/C for improved energy efficiency. Enjoy the expansive open porch—ideal for relaxing or entertaining—along with your private dock, boat lift, and seawall for effortless waterfront access. Additional features include a new 48x16 covered carport with electrical. Community Amenities: Heated pool and clubhouse, shuffleboard, horseshoes, bocce ball, designated RV/trailer/boat storage, and inclusive water, sewer, and trash services. Ideally located near shopping, golf courses, entertainment, and top-rated dining—and just an hour to the world-famous Siesta Key Beach—this home offers both a serene retreat and an active waterfront lifestyle. Schedule your private showing today and experience the best of Florida living!

3127 Bayside Parkway, Punta Gorda
5819 Howard Lane, Punta Gorda
$125,000
3 Beds ⋅ 2 Baths ⋅ V4951596 MLS
Unlock massive equity potential with this prime single-family home with outdoor inground spa. Currently configured as a 3-bedroom, 2-bathroom residence, the property offers an exceptional footprint for expansion, with significant square footage to easily add additional bedrooms and bathrooms. This full-rehab project—currently showing fire damage—is a rare find situated on an expansive 0.57-acre lot, more than double the size of standard neighborhood parcels. Offering 1,510 sq. ft. of living space, this property boasts significant upside with a high ARV and strong rental market. Offered strictly AS-IS, this is the perfect opportunity for investors seeking a high-spread fix-and-flip or a value-add buy-and-hold project.

5819 Howard Lane, Punta Gorda
27429 Dutch Avenue, Punta Gorda
$299,000
2 Beds ⋅ 2 Baths ⋅ C7531359 MLS
Welcome to 27429 Dutch Ave, a newly renovated 3-bedroom, 2-bath home offering the perfect blend of laid-back Florida living, comfort, and space — just one block from the Peace River. Bright, airy, and thoughtfully updated, this home feels fresh and inviting from the moment you walk in. The comfortable 3-bedroom layout provides plenty of room for family and guests, while the screened-in porches creates the perfect spot for morning coffee, evening cocktails, or simply enjoying the Florida weather year-round. Step outside to a large, private backyard with plenty of room to add a pool, entertain, garden, or create your own outdoor oasis. Previously enjoyed as a vacation rental when the current owners were out of town, the home offers flexibility as a full-time residence, seasonal Florida escape, or potential income-producing property. Located in a quiet neighborhood just steps from the Peace River, you can enjoy the relaxed feel of coastal Florida living while still being conveniently located to everything Punta Gorda has to offer. Highlights include: newly renovated interior, 3 bedrooms and 2 bathrooms, screened-in porches, spacious backyard with room for a pool, one-block proximity to the Peace River, quiet setting, and a extra large paved driveway for your boat or RV. Whether you’re looking for a family home, Florida getaway, or a place to spend winters in the sunshine, 27429 Dutch Ave is ready to enjoy.

27429 Dutch Avenue, Punta Gorda
3401 Palm Drive, Punta Gorda
$399,000
4 Beds ⋅ 4 Baths ⋅ TB8555249 MLS
INVESTMENT OPPORTUNITY IN PUNTA GORDA! This four-unit property offers investors the opportunity to acquire a cash-flowing multifamily asset with 3 of the 4 units currently occupied, providing immediate rental income with additional upside through lease-up of the remaining unit. Whether you're looking to expand your portfolio, generate ongoing income, or position yourself for long-term appreciation, this property offers multiple paths to value creation. Located in Punta Gorda, a growing Southwest Florida community known for its waterfront lifestyle, historic downtown, boating, dining, and convenient access to I-75, the property is well positioned to benefit from continued demand throughout Charlotte County. With three units already occupied, an investor can step into an income-producing property today while having the opportunity to increase overall revenue by filling the vacant unit and optimizing rents over time. Punta Gorda has also continued to see investment and redevelopment activity, adding to the area's long-term appeal for real estate investors. Buy for the cash flow today, while positioning yourself for potential long-term appreciation tomorrow. This is an opportunity to acquire an income-producing multifamily property in an established Southwest Florida market with room to increase income and build equity over time.

3401 Palm Drive, Punta Gorda
3500 Mondovi Court Unit 212, Punta Gorda
$329,000
3 Beds ⋅ 2 Baths ⋅ C7531354 MLS
SAILBOAT WATERFRONT! TURNKEY CONDO! PRIVATE GARAGE! BOAT LIFT! Welcome to Burnt Store Isles in Punta Gorda, where waterfront living meets effortless Florida style. This first-floor, end-unit condominium is offered turnkey and includes a private garage, private dock (#35) and a 10,000-lb. boat lift with water and electric. Inside, the spacious 3-bedroom, 2-bath layout features an open-concept design ideal for everyday living and entertaining. The kitchen offers Corian countertops, breakfast bar and generous pantry storage. The primary suite includes two walk-in closets and a private ensuite with walk-in shower, while two guest bedrooms are positioned at the front of the home alongside the guest bath and convenient interior laundry. Additional highlights include a new A/C (2026), metal roof installed in 2023 and a private one-car garage. Just steps from the community pool and spa, residents can enjoy a cabana and grills, while the dock is only a short walk away. Conveniently located minutes from historic downtown Punta Gorda, waterfront dining, shopping, entertainment and more! Bring your boat, unpack your suitcase, and start enjoying the Florida lifestyle.

3500 Mondovi Court Unit 212, Punta Gorda
43997 Boardwalk Loop Unit 1841, Punta Gorda
$239,900
2 Beds ⋅ 2 Baths ⋅ C7531614 MLS ⋅ 18 BLDG.
Welcome to your new condo in the highly sought-after, gated community of Babcock National. This stunning 2023-built, top floor corner condo is being offered completely turnkey and showcases some of the best, unobstructed water and golf course views in the entire neighborhood. GOLF MEMBERSHIP INCLUDED! Pull into your covered carport space and take the elevator or stairs up to the top floor where this end-unit offers ultimate privacy and a bright, breezy ambiance. Stepping through the front door, you are greeted by an open floor plan flooded with natural light, featuring impact-resistant windows and doors, soaring volume ceilings, along with sleek tile flooring throughout the main living areas. The chef-inspired kitchen is complete with pristine quartz countertops, a generous breakfast bar island, stainless steel appliances, pendant lighting and a modern glass tile backsplash. This same area flows seamlessly into a formal dining space with a bright bay window and a spacious great room. Slide open the sliding glass doors to your private, screened-in lanai to enjoy panoramic views of the long lake and the the championship golf course. Tucked away on the front half of the home, features a spacious guest bedroom, a pristine full bath, and a luxurious primary suite that boasts a generous walk-in closet and an en-suite bath. Complete with upscale designer furnishings, this move-in-ready residence lets you immediately embrace the ultimate Southwest Florida lifestyle. Just outside of your home and within the community, you have an array of amenities at your fingertips. There's the 18-hole championship golf course, resort-style pool with lap lanes & a spa, tiki bar, pickleball & bocce courts, a state-of-the-art fitness center, tennis center, a clubhouse w/ dining, dog park and more! Not only that but Founder’s Square within Babcock Ranch, regularly hosts food trucks with entertainment, markets, music, etc. Living at Babcock means more than just residing—it's a vibrant lifestyle. Your neighbors are waiting! Come check out what the community and lifestyle is all about!

43997 Boardwalk Loop Unit 1841, Punta Gorda
601 Shreve Street Unit 46B, Punta Gorda
$225,000
2 Beds ⋅ 2 Baths ⋅ C7530882 MLS ⋅ Bldg 4 BLDG.
Banyan Point 2nd floor, END UNIT WITH WATER VIEWS! Existing furniture negotiable! Fabulous *LOCATION* within walking and biking distance to the FARMER'S MARKET AT THE HISTORY PARK, PUNTA GORDA LIBRARY & FISHERMEN'S VILLAGE! Dock your boat in your backyard UP TO 50 FT. OF DOCK SPACE available and can be assigned on a 1st come/1st serve basis (PLENTY OF SPACE IS AVAILABLE)! Great opportunity to own in Banyan Point Condominiums with STABLE and COMPETITIVE HOA fees, this financially sound community boasts reserve funds, allowing for proactive maintenance and ensuring NO ASSESSMENTS are expected in the foreseeable future (per property manager). Plus, the condo features a NEW ROOF & NEW CARPORTS. Inside, the condo features an open & spacious, split bedroom floor plan with UPDATED KITCHEN INCLUDING STAINLESS STEEL APPLIANCES, AMPLE CABINETRY, RECESSED LIGHTING AND BREAKFAST BAR! The great room opens to a tiled lanai facing the water! HURRICANE SHUTTERS ON LANAI give you peace of mind and protection from rain. There is a screened storm door at the entrance of this condo for added light and for letting the breeze in when you have your lanai doors open.Your primary suite is king sized with a huge WALK IN CLOSET and private access to the lanai and private patio through sliding glass doors. Your primary suite also features a built-in desk/vanity or office space & private master bath with his & hers sinks, walk-in shower & separate bath with shower! Other amenities include a laundry closet with a full size washer & dryer, shelves plus additional storage closets. The guest suite has an additional spacious bedroom with bathroom (shower/tub combo). This condo comes w/one assigned COVERED PARKING SPOT and tons of guest parking. COMMUNITY AMENITIES INCLUDE AN IN GROUND HEATED POOL, clubhouse/office & park-like setting including the infamous banyan tree. Banyan Point is centrally located & is walking distance to Historic downtown Punta Gorda, the new library, the PGICA building, History Park FARMERS MARKET, Fishermen's Village & Gilchrist Park plus the Harborwalk trails. CALL TODAY FOR A PRIVATE SHOWING! BE SURE TO CLICK THE FULL VIRTUAL TOUR LINKS FOR DETAILS!

601 Shreve Street Unit 46B, Punta Gorda
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