Single Family Residence at 3242 CARDIFF ST, PUNTA GORDA
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26 photos

$289,900

3242 CARDIFF ST
PUNTA GORDA, FL 33983
Listed by Kim Simone, P.A.
Bedrooms
3
Bathrooms
2
Living area
1,490 sqft
Year built
1983

About this home

Welcome home to Harbor Heights! This charming 3-bedroom, 2-bathhome offers the space, updates, and outdoor living you’ve been looking for—plus plenty of room to make it your own. With a 2021 roof, city water, and a newer septic system installed in 2013, some of the big-ticket items are already taken care of. Step inside to a bright, open-concept living space designed for everyday living and easy entertaining. The updated kitchen features beautiful wood cabinetry, granite countertops, and stainless steel appliances, with the kitchen opening directly to the dining and living areas so everyone stays connected. The appliances are approximately 4 years old. French doors open to the screened-in lanai, extending your living space outdoors and creating the perfect spot for morning coffee, an evening glass of wine, or simply enjoying Florida’s year-round lifestyle. And the backyard is where this home really shines! The large, fully fenced yard offers plenty of room for kids, pets, play, gardening, or backyard gatherings. A 12' x 25' concrete patio is ready for grilling and entertaining, while the impressive 24' x 12' electrically wired shed provides a fantastic bonus space for storage, a workshop, hobbies, projects, or even a dedicated workspace. The spacious primary suite features a walk-in closet and private bath with generous counter space. An interior laundry room with utility sink adds everyday convenience, with the flexibility 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. Ideally located near Deep Creek Elementary School and I-75, this home offers easy access to everyday conveniences and commuting routes while giving you the space to truly enjoy life at home. Whether you’re looking for room to grow, a fantastic fenced yard for the kids and pets, space to entertain, or a home with a workshop/storage area, this Harbor Heights gem deserves a look!

Property details

MLS #
MFRA4701474
Property type
Single Family Residence
Subdivision
HRBR HEIGHTS
Status
Active
Days on market
64
On market date
July 29, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
2
Parking spaces
N/A
Lot size
0.23 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
DEEP CREEK ELEMENTARY SCHOOL
0.38 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
820
Student:teacher ratio
16.4:1
District
CHARLOTTE
Middle
PUNTA GORDA MIDDLE SCHOOL
4 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,228
Student:teacher ratio
21.5:1
District
CHARLOTTE
HighCharter
FLORIDA SOUTHWESTERN COLLEGIATE HIGH SCHOOL
3.99 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
373
Student:teacher ratio
33.9:1
District
CHARLOTTE

Walkability

Blended score for PUNTA GORDA's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

24
Car-dependent
out of 100
EPA National Walkability Index
5.8 / 20 -- Below average walkable
Google Places amenity density
15 / 100
Restaurants & cafes0
Grocery stores0
Parks2
Schools1
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in PUNTA GORDA, from live MLS data.

On the market 64 days -- 145 fewer days than PUNTA GORDA's current average of 209 days.
For reference, the median list price across 3,003 active listings in PUNTA GORDA right now is $155,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$1,896/mo
$57,980 down
$231,920 loan
Principal & interest$1,504
Property tax (est.)$242
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 3 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.