3242 CARDIFF ST, PUNTA GORDA, FL, 33983
Active4 days on marketListed Jul 29, 2026MLS #A4701474
About this home
3242 CARDIFF ST
Welcome home to this charming 3-bedroom, 2-bath home in desirable Harbor Heights, offering a wonderful combination of updates, space, and convenience. The roof was replaced in 2021, and the home features city water and a newer septic system installed in 2013.Step inside to an inviting open-concept living space where the updated kitchen features beautiful wood cabinetry, granite countertops, and stainless steel appliances. The kitchen overlooks the dining and living areas, making it easy to stay connected with family and guests while cooking and entertaining. The appliances are approximately 4 years old.French doors lead from the living area to the screened-in lanai, creating the perfect spot for morning coffee, relaxing evenings, or enjoying the Florida lifestyle. Outside, the possibilities continue with a large, fully fenced backyard that is ideal for children, pets, outdoor activities, and gatherings. A 12' x 25' concrete patio slab provides an excellent space for outdoor entertaining, while the impressive 24' x 12' shed is wired for electricity, offering plenty of room for storage, a workshop, hobbies, or additional workspace.The spacious primary bedroom features a walk-in closet and private bath with plenty of counter space. The interior laundry room with utility sink adds convenience, with the option to relocate the laundry to the garage if desired. Additional updates include exterior paint approximately 4 years ago and overhead plumbing approximately 1 year old.Located close to Deep Creek Elementary School and conveniently near I-75, this home offers an easy commute while providing plenty of room to enjoy everyday life at home. Whether you're looking for a great place to raise a family, a pet-friendly yard, or a home with space for entertaining a crowd, this one checks all the boxes!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,490
Sqft
0.23 ac
Lot size
2
Garage
1983
Year built
One
Levels
$198
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.
$2,321 /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
$2,321/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
+6.9%
$/sqft vs HRBR HEIGHTS
$198 vs $236
Days on market
4 vs 59 typical
Where $198/sqft sits among the 26 homes for sale in HRBR HEIGHTS
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 33983 — neighborhood snapshot
Population
18,230
Median age
56.6
Median income
$67,705
Median home value
$324,100
Avg household
2.31
Households w/ children
1,552
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)
13 of 26
HRBR HEIGHTS have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 293% above the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 3242 CARDIFF ST
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$259,900
26456 VIEW DRIVE · same community
3 bd · 2 ba · 1,546 sqft · $168/sqft · 322 DOM
Sold · Jul ’26$284,500
3055 CATALINA COURT · same community
3 bd · 2 ba · 1,560 sqft · $182/sqft · 139 DOM
Sold · Oct ’25$440,000
27385 NEAPTIDE DRIVE · same community
3 bd · 2 ba · 1,408 sqft · $313/sqft · 203 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3242 CARDIFF ST — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3242 CARDIFF ST — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3242 CARDIFF ST FAQs
What would the monthly payment be for 3242 CARDIFF ST?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,321/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 3242 CARDIFF ST?+
The most recent tax bill on record (2025) was $3,539. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Punta Gorda?+
At $294,900, this home is listed about 14% 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 3242 CARDIFF ST?+
Deep Creek Elementary School (elementary), Punta Gorda 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
$294,900 runs 293% above the PUNTA GORDA 33983 median.
02Fresh on the market
Only 4 days on market in a Punta Gorda market that averages 59 — if it fits, move quickly.
03Strong assigned schools
Deep Creek Elementary School, Punta Gorda Middle School, Charlotte High School — Deep Creek Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REALTYTEAM.COM, INC. · Kim Simone, P.A.. MLS #A4701474.
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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