14 EMDEN CIRCLE, PUNTA GORDA, FL, 33950
Active635 days on marketListed Oct 28, 2024MLS #C7499501
About this home
14 EMDEN CIRCLE
Welcome to Windmill Village, a premier gated 55+ community! This immaculate Jacobsen model home offers the perfect blend of comfort and style. Spanning 1,410 square feet, the residence features 2 bedrooms and 2 bathrooms with a thoughtfully designed open-concept layout that creates a seamless flow between living spaces. The kitchen is a culinary delight with abundant storage and newer appliances installed in 2022. Warm wood flooring enhances the main living area, while plush carpeting adds coziness to the bedrooms. Both the kitchen and bathrooms feature elegant tile flooring, and the home includes a separate laundry room — a rare and practical bonus in most units. Key upgrades include a new shingle roof (2023), a 2018 air conditioner, re-leveling of the home, and vapor barrier repairs for excellent structural integrity. Hurricane protection consists of Bermuda shutters on the front and side, plus standard hurricane shutters on all other windows and doors. Additional features include a large lanai for enjoying the Florida breeze, no-see-um screens on multiple windows, an attic fan for enhanced ventilation, a large shed for extra storage, and an insulated carport. The property is surrounded by lush, mature landscaping with a beautiful Plumeria tree, creating a private and tranquil setting. This active lifestyle community features two private marinas, a boat ramp, trailer storage yard, horseshoe pits, shuffleboard, bocce ball, billiards, indoor pickleball, a large community center, and numerous clubs catering to a wide range of hobbies. The new pavilion by the heated pool offers a wonderful space for gatherings and socializing. Punta Gorda has been voted “#1 Best Small Place to Live” by Money Magazine and Forbes. **Please note:** The purchase price does not include the $18,285 Buy-In Share and Bond, which is fully refundable upon sale. Don’t miss the opportunity to make this meticulously maintained and thoughtfully upgraded home yours! Schedule your showing today and discover your paradise in Windmill Village.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,410
Sqft
0.11 ac
Lot size
2005
Year built
One
Levels
$138
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.
$1,926 /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
$1,926/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
+7.6%
$/sqft vs WINDMILL VILLAGE
$138 vs $154
Days on market
635 vs 59 typical
Where $138/sqft sits among the 33 homes for sale in WINDMILL VILLAGE
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)
13 of 33
WINDMILL VILLAGE have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% below the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 14 EMDEN CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$180,000
17 AMSTERDAM AVENUE · same community
2 bd · 2 ba · 1,404 sqft · $128/sqft · 455 DOM
Sold · Apr ’26$150,000
21 BELCHER DRIVE · same community
2 bd · 2 ba · 1,389 sqft · $108/sqft · 107 DOM
Sold · Sep ’25$315,000
27 EMDEN CIRCLE · same community
2 bd · 2 ba · 1,368 sqft · $230/sqft · 134 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 14 EMDEN CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14 EMDEN CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
14 EMDEN CIRCLE FAQs
What would the monthly payment be for 14 EMDEN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,926/mo — principal and interest, the actual property-tax bill, the $256/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 14 EMDEN CIRCLE?+
The association fee works out to $256 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 14 EMDEN CIRCLE?+
The most recent tax bill on record (2023) was $3,312. 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 14 EMDEN CIRCLE?+
The listing reports pets: Breed Restrictions, Dogs OK, 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 $195,000, this home is listed about 43% 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 14 EMDEN CIRCLE?+
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
01Under the PUNTA GORDA 33950 market on paper
$195,000 is 28% below the PUNTA GORDA 33950 median of $271,985, and at $138/sqft it sits under the Punta Gorda average of $233.
02Time on market is leverage
635 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $235,000, now $195,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SELLSTATE VISION REALTY · Wendy Decker. MLS #C7499501.
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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