Active · Single Family

3242 CARDIFF ST

PUNTA GORDA, FL 33983

$294,900

$198/sqft

Beds

3 beds

Baths

2 baths

Area

1,490 sqft

Single FamilyBuilt 198310 sqft lot2-car garageCentralCentral Air$198/sqft3 days on market

About this home

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

Interior

Bedrooms: 3
Bathrooms: 2
Living area: 1,490 sqft
Heating: Central
Cooling: Central Air
Flooring: Laminate
Features: Ceiling Fans(s), High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Other, Tray Ceiling(s)…
Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator

Exterior & lot

Lot size: 10 sqft (0.23 ac)
Roof: Shingle
Construction: Block
Exterior: Private Yard, Storage

Parking

Garage: 2 spaces

Financial

Annual tax: $3,539 (2025)
Price / sqft: $198/sqft

Utilities

Water: Public
Sewer: Septic Tank
Utilities: Cable Connected, Electricity Connected

Property

Property type: Single Family
Year built: 1983
Subdivision: HRBR HEIGHTS
County: Charlotte

Assigned schools

Elementary: East Elementary

Listing

Status: Active
Days on market: 1 day
MLS #: MFR801327419
Source: Stellar MLS

Listed by Kim Simone, P.A. · REALTYTEAM.COM, INC.

Listing data provided by Stellar MLS. Information deemed reliable but not guaranteed.

RRENA ValiQEstimate

Sample estimate — not an appraisal

$314k

+6.6% vs asking

$297k low$332k high

Based on 15 comparable sales within 3 miles of PUNTA GORDA, FL. priced under RENA ValiQ.

Reference only. Estimates blend public sale comps, neighbourhood trend and the listing’s own metrics. Final price moves on diligence, terms and timing — RENA is your second read, not your agent.

Estimate your monthly cost

PITI + HOA

Down payment (%)

Interest rate (%)

Loan term (yrs)

Property tax (% / yr)

Home insurance ($ / yr)

HOA dues ($ / mo)

Estimated monthly payment$1,991/mo

Principal & interest: $1,570/mo
Property tax: $221/mo
Home insurance: $200/mo

Tax, insurance and HOA are editable estimates with Florida-typical defaults — Florida homeowners insurance in particular varies widely by location and elevation. Confirm exact figures with a lender and insurer.