12-09-2013, 02:45 PM
14 posts, read
87,723 times
Reputation: 16
My wife and I (early sixties) are looking to move to the Port Charlotte/Punta Gorda area within the next 2 years.
12-09-2013, 02:54 PM
Location: sittin happy in the sun :-)
3,645 posts, read
7,147,419 times
Reputation: 1877
regarding insurance, its a bit of a grey area .
12-09-2013, 04:29 PM
Location: Sunny FLA
700 posts, read
1,818,146 times
Reputation: 326
Good info about pre 74 homes. We are in a 1700+ sq ft home, pool w/cage, 9' above sea level with dock on a PC canal 2 miles from the harbor. Built '83, CBS, Hip roof with hurricane windows and shutters (don't get a discount now as our front door isn't shuttered). Just got our ins for next year. $2200 with 10K cage protection. Don't need flood if we had a mortgage but we still carry it. $300 for flood.
12-09-2013, 05:20 PM
Location: Port Charlotte, FL
3,979 posts, read
10,545,164 times
Reputation: 1940
It would largely depend on your price range for areas of recommendation. Are you looking for direct gulf access or bridges? Do you need sailboat access? Punta Gorda is typically higher priced than Port Charlotte. Are you looking to be in a deed restricted area or non-deed restricted. Punta Gorda Isles is deeded restricted. Most of Port Charlotte is not. If you decide to purchase a home that is not gulf access, then there are boat launches in several different areas or you could keep your boat in a marina.
What age and style of home are you looking for? Insurance rates vary by age of home, size of home, conditions of home, and location of home. You can get discounts the home qualifies for by having a wind mitigation inspection done at the same time as your home inspection. Discounts are available for building features that reduce damage during high wind events. Overall discounts include things such as age of home, style of roof, how close the home is to a body of water, how close to a fire hydrant, how the roof is tied down, if the home has hurricane shutters or impact resistant windows, frame or block home, etc. If the home is in a flood zone, the insurance company will require a flood elevation certificate. That can be obtained by paying a survey company to prepare it. To check Flood Zones go to
Flood Insurance | Flood Maps | Flood Risk | FloodSmart and type in the address of the home.
Port Charlotte is an older town with a lot of amenities - Town Center mall, shopping, medical facilities, hospitals, schools, restaurants, library, cultural center and more. Punta Gorda is a smaller town and is very quaint with a lot of downtown restaurants and parks and has been voted one of the prettiest cities.
Here are some links to learn more about the two different cities:
Charlotte County -
Charlotte County BCC
City of Punta Gorda -
City of Punta Gorda Florida
Charlotte County Chamber of Commerce -
Charlotte County Chamber of Commerce || Port Charlotte, Florida
Punta Gorda Chamber of Commerce -
Punta Gorda Chamber of Commerce: Home Page
Charlotte County New Resident Information -
http://www.charlottecountychamber.or...nformation.pdf
12-09-2013, 06:30 PM
Location: Punta Gorda Isles
55 posts, read
235,364 times
Reputation: 67
Take Port Charlotte off of your list....you'd be way better off buying an older waterfront home in Punta Gorda than a newer waterfront in Port Charlotte. Without sounding snooty (we are just a middle class working family)...Pt. Charlotte is filled with criminals and trashy people compared to Punta Gorda. To narrow down your decision, visit the supermarkets like Winn Dixie and Publix in Port Charlotte and than shoot across to the Publix's in Punta Gorda. The difference in people is night and day. If you have a lot of tattoos on your face and neck and enjoy cooking meth in your shed, than Port Charlotte would be the better choice. Also, before we were able to save for a canal front home in Punta Gorda...we always launched our boat out of Ponce De Leon park in Punta Gorda and loved it. It's a clean, fairly uncrowded ramp (except for snowbird season) and always has places to park. I know that everyone's taste is different...but Port Charlotte is not a nice area and has a lot of crime. The only plus size is that you can get a huge house on the water compared to what you can get in any other area. Our second choice next to Punta Gorda would be Venice which is absolutely beautiful. ABSOLUTELY stay out of Fort Myers and Sarasota........lots of traffic, extremely high per capita crime rates, and the water is ten times as busy with boats.
12-09-2013, 06:43 PM
14 posts, read
87,723 times
Reputation: 16
Thanks for the comments, here is more information on what we hope to find.
12-09-2013, 06:57 PM
Location: Punta Gorda Isles
55 posts, read
235,364 times
Reputation: 67
Stick with Burnt Store Isles (part of the city of Punta Gorda) or Punta Gorda Isles. The entire area is gulf access on a beautiful canal system. We live on a canal approximately 1 mile from the harbor and pay $1,200 a year in homeowners insurance and $500 a year in flood. Our house was built in 2003....something to consider since most of the newer built homes will be significantly lower in both homeowners and flood insurance. The absolute best way to search...in my opinion...is to go to Zillow and zoom in starting the Punta Gorda Isles area. It lets you zoom in and get the street view. I am telling you that you will be sold on the area. It's a perfect mix of deed restrictions to protect your investment with well kept homes and beautiful city maintained canals. We have twice had our seawall wash out after heavy rains and the City has been there the next day to fix it. If we lived in Cape Coral, it would still be washed out because we wouldn't have $5,000 plus to fix it. Just another benefit to the area. If you come down in January, feel free to message me and I will also take you out on the boat throughout the canals if you'd like. The under $400K houses are fading quickly, so if you are serious try not to wait to long and start your search now. We waited in 2004 in building our first house and watched prices jump by almost a 100K while waiting to finally sign a contract and have kicked ourselves ever since. A really nice house around the corner from us on Deborah Drive has been on the market for a while and is at $399K. It is an absolute steal....
2848 Deborah Dr, Punta Gorda, FL 33950 is For Sale - Zillow
We had actually looked at it when we were buying in 2010 and ended up getting a lower priced home down the street, but always liked this one. I believe it has a boat lift installed as well which is certainly a huge thing to consider if you will be boating.
12-09-2013, 07:02 PM
14 posts, read
87,723 times
Reputation: 16
Redfish
12-10-2013, 05:21 AM
Location: Port Charlotte
252 posts, read
388,302 times
Reputation: 91
PC and PG are both nice towns with the average age being higher than most other areas.There are a few nice boat launch sites in both towns so one should take into consideration their location when purchasing a home.When we decided to move here the flood insurance and cost of living on a canal caused us to not do so and sold my boat and bought a condo.After living here and getting to know the area better wish I had bought in a canal so I could have had a boat.
12-10-2013, 06:28 AM
Location: Lemon Bay, Englewood, FL
3,179 posts, read
5,999,012 times
Reputation: 1170
First you need to decide what kind of boating you want to do. If it's a little cruising of the harbor and some fishing, then get a house on a canal so the boat is in the backyard on a lift. If you want to do more anchoring at the beach & socializing at the sandbars, then you'll either want to live closer to Placida/Englewood/Nokomis/Laurel/Osprey/Venice or trailer the boat out there. I see it all the time (and we're examples as well). Folks fall in love with the awesome sandbars lining the gulf and barrier islands, but traveling south through the harbor, then north up to Placida or Englewood is time consuming and burns $100's in fuel ($200-400 depending on type of boat), so you end up doing a lot of trailering to get to the fun spots. The harbor has no sandbars or beaches where people gather.
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Mean house or condo value by units in structure - Boat, RV, van, etc. ($)
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Occupied housing units (%)
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Crime - Murders per 100,000 population (5 year average)
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Crime - Assaults per 100,000 population (5 year average)
Crime - Burglaries per 100,000 population (5 year average)
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Crime - Auto thefts per 100,000 population (5 year average)
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Crime - City-data.com crime index (5 year average)
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1996 Presidential Elections Results (%) - Democratic Party (Clinton)
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2000 Presidential Elections Results (%) - Democratic Party (Gore)
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Educational Attainment - No schooling completed (%)
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Median number of rooms in houses and condos
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Urban houses (%)
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Mean number of vehichles in renter occupied houses
Mortgage status - with mortgage (%)
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Average family size
Average family size - White
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Geographical mobility - Same house 1 year ago (%)
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Housing units in structures - 1, detached (%)
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Housing units in structures - Boat, RV, van, etc. (%)
House/condo owner moved in on average (years ago)
Renter moved in on average (years ago)
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Means of transportation to work - Drove car alone (%)
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Working at home (%)
Industry diversity
Most Common Industries - Agriculture, forestry, fishing and hunting, and mining (%)
Most Common Industries - Agriculture, forestry, fishing and hunting (%)
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Most Common Occupations - Construction and extraction occupations (%)
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People in Group quarters - Institutionalized population (%)
People in Group quarters - Correctional institutions (%)
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People in Group quarters - Orthopedic wards and institutions for the physically handicapped (%)
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People in Group quarters - Training schools for juvenile delinquents (%)
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People in Group quarters - Military quarters (%)
People in Group quarters - On base (%)
People in Group quarters - Barracks, unaccompanied personnel housing (UPH), (Enlisted/Officer), ;and similar group living quarters for military personnel (%)
People in Group quarters - Transient quarters for temporary residents (%)
People in Group quarters - Military ships (%)
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People in Group quarters - Religious group quarters (%)
People in Group quarters - Dormitories (%)
People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
People in Group quarters - Other workers' dormitories (%)
People in Group quarters - Crews of maritime vessels (%)
People in Group quarters - Other nonhousehold living situations (%)
People in Group quarters - Other noninstitutional group quarters (%)
Residents speaking English at home (%)
Residents speaking English at home - Born in the United States (%)
Residents speaking English at home - Native, born elsewhere (%)
Residents speaking English at home - Foreign born (%)
Residents speaking Spanish at home (%)
Residents speaking Spanish at home - Born in the United States (%)
Residents speaking Spanish at home - Native, born elsewhere (%)
Residents speaking Spanish at home - Foreign born (%)
Residents speaking other language at home (%)
Residents speaking other language at home - Born in the United States (%)
Residents speaking other language at home - Native, born elsewhere (%)
Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
Class of Workers - Self-employed in own incorporated business (%)
Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
Class of Workers - Federal government workers (%)
Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
House heating fuel used in houses and condos - Fuel oil, kerosene, etc. (%)
House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
Armed forces status - Civilian - Veteran (%)
Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
Fatal accidents locations in 2005
Fatal accidents locations in 2006
Fatal accidents locations in 2007
Fatal accidents locations in 2008
Fatal accidents locations in 2009
Fatal accidents locations in 2010
Fatal accidents locations in 2011
Fatal accidents locations in 2012
Fatal accidents locations in 2013
Fatal accidents locations in 2014
Fatal accidents locations in 2015
Fatal accidents locations in 2016
Fatal accidents locations in 2017
Fatal accidents locations in 2018
Fatal accidents locations in 2019
Fatal accidents locations in 2020
Fatal accidents locations in 2021
Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)
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