Picture your mornings starting on your own dock, coffee in hand, with the boat already up on its 10, 000 lb lift and Charlotte Harbor just a cruise away. This 3-bedroom, 2-bath saltwater canal pool home sits on a corner lot in Punta Gorda Isles, with Gulf access and only one fixed bridge between your backyard and open water. A 40-foot concrete seawall lines the canal, so a day of fishing, a sunset cruise, or lunch by boat is always just a few steps from the back door. Inside, the single-story layout keeps life easy and connected. An open floor plan flows from the living room straight through sliders to the lanai, so the pool and canal stay in view whether you’re hosting friends or settling in for a quiet evening. A living/dining combination and a separate dinette give you room for both relaxed breakfasts and longer dinners, and the galley kitchen comes with its closet pantry and every appliance included. New ceiling fans and plantation shutters throughout add comfort and polish, while ceramic and porcelain tile keeps things cool and low-maintenance from room to room. A split bedroom plan gives the primary suite its own quiet wing, finished with a California Closets system and a private en-suite bath. Two guest bedrooms share the second full bath on the opposite side of the home. Step outside and the home really comes into its own. The heated, private gunite pool has been resurfaced and refreshed with new decking and a new pump, all wrapped in a new screened enclosure. The covered, screened lanai stretches along the back of the house with room to dine, lounge, and watch the boats glide by, and the fenced back yard adds private green space beyond the cage. A laundry room with built-in shelving (washer and dryer stay) connects to an oversized side-entry two-car garage with plenty of room for fishing gear, kayaks, and beach chairs. The major items are already handled: a metal roof installed in June 2023, a whole-home tankless water heater installed in February 2025 for endless hot water, an A/C blower replaced in September 2025, a RainSoft water treatment system that conveys, and generator hookups on the side of the house. Life in Punta Gorda Isles means one of Southwest Florida’s most celebrated boating communities, with no mandatory HOA (just an optional PGI civic association at about $100 per year). Historic downtown Punta Gorda is minutes away for dining and events, along with Fishermen’s Village, the waterfront shopping, dining, and full-service marina destination on Charlotte Harbor. The Harborwalk connects it all along the water, winding through Gilchrist Park and Laishley Park past fishing piers and wide-open harbor views, perfect for a morning walk or an evening bike ride. Punta Gorda Airport and I-75 are close by, and schools include Sallie Jones Elementary, Punta Gorda Middle, and Charlotte High. Cash, conventional, FHA, and VA financing are accepted. A Gulf-access canal home with a lift, a heated pool, and the big updates done is a rare find in PGI at $649, 900. Schedule your private showing today.