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List Price

$400,000

141 Summerset, Punta Gorda, FL 33982

32 days on market

Estimated Payment

$3,260/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,485 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2007

Listed by

Jesse DeMello

RE/MAX PALM REALTY

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

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  • Make your offer
  • Bring your agent
  • Close in one place

Welcome to 141 Summerset Drive in Peace River Shores, where waterfront living meets space, storage, and endless possibilities! Situated on an oversized 0.42-acre lot with approximately 175 feet of river frontage, this 3-bedroom, 1.5-bath home offers 1,485 square feet of living space, beautiful river views, and direct boating & sailboat access to the Peace River, Charlotte Harbor, and the Gulf of Mexico. ROOF REPLACED IN 2023 and well pump was updated in 2026. The home is equipped with hurricane shutters for added peace of mind. Inside, the spacious, open kitchen flows into the living area and features stainless steel appliances and a window overlooking the backyard and water. The generously sized bedrooms offer comfortable living space, while the conveniently located washer and dryer sit near a storage closet for added functionality. Step outside to a large, open patio with plenty of room for entertaining and enjoying the Florida sunshine. The backyard is truly a standout, with wide-open green space, scenic waterfront surroundings, and room to enjoy the outdoors. Boating enthusiasts will appreciate the dock with approximately 6 feet of water depth, making it easy to enjoy fishing, kayaking, and time on the water. Additional highlights include an oversized attached garage, a spacious detached workshop with abundant room for tools, equipment, hobbies, and projects, plus a separate parking pad for your RV, boat, or extra vehicles. The property also features ADE-complaint, wheelchair-accessible accommodations, including a ramp for ease of entry at the front door. The seller reports annual termite treatment. With its generous outdoor space, impressive storage options, and waterfront setting, this property offers a wonderful opportunity to enjoy the best of Florida living!

141 Summerset, Punta Gorda, FL 33982 in Punta Gorda, FL 33982 is listed for $400,000. The home has 3 bedrooms, 2 bathrooms, and 1,485 square feet, and was built in 2007. Listed 32 days ago. The listing is held by RE/MAX PALM REALTY.

33982 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$922 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$3,260/moest.

0% down -- about $686 more per month than 20% down conventional.

  • Principal & Interest 84%
  • Property Taxes 2%
  • Insurance 10%
  • USDA Fee 4%
Principal & Interest
$2,732
Property Taxesfrom listing
$77
Insurance
$333
USDA Annual Fee
$118

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$4,000

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $3,260, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $922 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR813983450. HomeJam is not the listing broker.

List Price

$400,000

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