116 NORTHSHORE TERRACE, PUNTA GORDA, FL, 33980
Active236 days on marketListed Dec 10, 2025MLS #C7518848
About this home
116 NORTHSHORE TERRACE
SELLER FINANCING AVAILABLE! STUNNING 2025 JUST COMPLETED HARBORFRONT POOL HOME AWAITS NEW OWNERS! This custom 3 bedroom, 2.5 bathroom + den, 3 car garage WATERFRONT pool home has it all, including a metal roof, impact rated windows & doors, incredible details, including custom cabinetry with soft closure, tile floors throughout, stone counters, upgraded appliances & light fixtures, and more! As you approach the front door, notice the custom & upgraded garage doors with wood look finish. Inside, a welcome foyer is open to the spacious living room with custom ceiling details and recessed lighting, all with sweeping harbor views and incredible sunrises and sunsets! Off to the right side, find a conveniently located guest half bathroom, a large laundry room with cabinetry to leads to the garage, a spacious guest bedroom with beautiful water views and a large closet, and a separate guest bedroom with en suite bathroom access to a full bathroom with beautiful tile work in the shower. Off the foyer, the spacious office/den is a great place to work with amazing natural light and could serve as a 4th bedroom. The great room is perfect for entertaining, with a built-in bar area, and is also open to the spacious gourmet kitchen with large island/breakfast bar, corner pantry, amazing cabinet space, under counter lighting, upgraded appliances, and is also open to the dining room, all with wide water views of the harbor from multiple sliding glass doors. Off the living room, the primary suite is the ultimate retreat, with a beautiful bedroom with sliding door access to the lanai/pool, beautiful water views, dual walk-in closets, and a spa-quality bathroom with dual vanities with lighted mirrors, a lovely, tiled shower, a free-standing soaking tub with wall filler, and a private toilet room. Outside, enjoy an extra deep covered lanai, stubbed for a future outdoor kitchen with hot/cold water and drain connection, and power. The pool and spa are huge and there is still a spot to enjoy the sun as you lounge by the pool. Outside in the backyard, the concrete seawall and excellent harbor access are perfect for you to add your dock and bring your boat or launch your kayaks/paddleboards. This home also has a grandfathered in boat ramp, perfect for a small boat launch! Nearby to Punta Gorda, Sunseeker, and so many great restaurants, shops, golf, and more, this home is incredible! Prefer an unfurnished home? Check out the adjacent listing by the same builder, too! BE SURE TO CLICK THE FULL VIRTUAL TOUR LINKS FOR DETAILS!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,512
Sqft
0.35 ac
Lot size
3
Garage
2025
Year built
One
Levels
$563
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.
$8,665 /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
$8,665/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
+69.9%
$/sqft vs Punta Gorda actives
$563 vs $206
Days on market
236 vs 59 typical
Where $563/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 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)
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 918% 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 116 NORTHSHORE TERRACE
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$272,000
3941 RIVER BANK WAY
4 bd · 2.5 ba · 2,505 sqft · $109/sqft · 115 DOM
Sold · Dec ’25$270,000
24016 CANAL STREET
4 bd · 2.5 ba · 2,612 sqft · $103/sqft · 139 DOM
Sold · Mar ’26$482,500
24407 RIVERFRONT DRIVE
3 bd · 2 ba · 2,216 sqft · $218/sqft · 40 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 116 NORTHSHORE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 116 NORTHSHORE TERRACE — 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
116 NORTHSHORE TERRACE FAQs
What would the monthly payment be for 116 NORTHSHORE TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,665/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 116 NORTHSHORE TERRACE?+
The most recent tax bill on record (2024) was $4,074. 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 116 NORTHSHORE TERRACE?+
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 $1,415,000, this home is listed about 310% 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 116 NORTHSHORE 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
Four things that matter here
01Positioned at the premium end
$1,415,000 runs 918% above the PUNTA GORDA 33980 median — but at 2,512 sqft it's also 46% 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
236 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,475,000, now $1,415,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · Carla Nix. MLS #C7518848.
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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