Villas Cedar Key: Relaxed Villa Living with a Coastal Florida Feel

by Hunt Brothers Realty

Villas of Cedar Key is a waterfront condominium community at 3600 Bal Harbor Boulevard in Punta Gorda Isles, combining compact two-bedroom residences with saltwater canal access, a community pool, tennis and a location convenient to downtown Punta Gorda. Built in 1984, the low-rise community has the relaxed appearance suggested by its villa-style name, but the residences are legally condominiums. Current listings show approximately 1,089-square-foot, two-bedroom, two-bath homes, and selected units include deeded docks with no-fixed-bridge boating access toward Charlotte Harbor. Dock rights, association costs, insurance and boating specifications should always be verified for the individual residence.

The name can create confusion for Florida buyers. Villas of Cedar Key is in Punta Gorda Isles, not in the Gulf Coast city of Cedar Key. Its coastal Florida character comes from Punta Gorda's canal system, boating access and proximity to Charlotte Harbor.

Quick Answers About Villas of Cedar Key

Where Is Villas of Cedar Key?

Villas of Cedar Key is at 3600 Bal Harbor Boulevard in Punta Gorda, Florida 33950. It is within Punta Gorda Isles in Charlotte County, across Bal Harbor Boulevard from the St. Andrews South Golf Club area.

Is Villas of Cedar Key a Condominium Community?

Yes. Despite the villa-style name, county records and current real estate listings identify the residences as condominiums. The Villas of Cedar Key Condominium Association is the governing association.

Is Villas of Cedar Key Waterfront?

Yes. The community fronts a saltwater canal within Punta Gorda Isles, and current residences document canal and water views. The waterway provides navigable boating access toward Charlotte Harbor.

Do Condos at Villas of Cedar Key Have Boat Docks?

Selected residences have documented deeded dock rights. Current Unit 1-O, for example, includes a deeded concrete dock, but buyers should verify the dock rights attached to the specific condominium they are considering rather than assume every unit has identical boating rights.

Are There Fixed Bridges Between Villas of Cedar Key and Charlotte Harbor?

Current MLS information for Unit 1-O reports no-fixed-bridge boating access from the property toward Charlotte Harbor and the Peace River. Boaters should still verify the precise route, water depth, dock configuration and vessel compatibility for the residence and boat they intend to use.

Does Villas of Cedar Key Have a Pool?

Yes. A community swimming pool is documented in current property records and Charlotte County public-pool records. Current MLS information also identifies tennis and association-owned recreational facilities.

What Are the Current Condo Fees?

Current 2026 listings report a condominium fee of approximately $695 per month. Reported inclusions are substantial, but buyers should review the current budget, reserves, insurance, assessments and estoppel because fees and association obligations can change.

Are Condos Currently for Sale?

Yes. Late-2026 inventory included Unit 1-G at approximately $180,000 and Unit 1-O at approximately $195,000. Prices, status and availability are time-sensitive and should be confirmed through the current MLS.

What Is Villas of Cedar Key Like?

Villas of Cedar Key offers an established, low-rise version of the Punta Gorda Isles waterfront lifestyle. The property is organized around saltwater canal frontage rather than a large high-rise building, giving residents a closer visual connection with the water.

Current records identify two-story construction, with individual residences occupying a single level. Depending on unit location, buyers can find screened outdoor living areas overlooking the canal and docks.

The community dates to the 1980s. That can appeal to buyers who prefer established Punta Gorda Isles locations, but age also makes careful review of association finances, insurance, structural maintenance and capital projects particularly important.

What Are the Condos Like?

Current Villas of Cedar Key inventory shows a consistent condominium format. Units 1-G and 1-O are both two-bedroom, two-bath residences with approximately 1,089 square feet of living area and 1984 construction.

Features documented in current or recent residences include:

Two bedrooms
Two full bathrooms
Approximately 1,089 square feet in current examples
Single-level condominium interiors
Open living and dining areas
Interior laundry
Walk-in storage or closet space in selected units
Screened lanais
Canal and water views
Assigned, curb or guest parking depending on the residence

Individual improvements vary. Unit 1-O, for example, is currently marketed with impact windows, while renovation level, storm protection, finishes and mechanical systems should be evaluated separately for every condominium.

Why Does Villas of Cedar Key Have a Coastal Florida Feel?

The coastal character comes primarily from the community's saltwater canal setting and its location within Punta Gorda Isles. Screened waterfront lanais, boats along the canal and tropical landscaping create a setting closely connected with Southwest Florida's boating environment.

This is not beachfront living, and Villas of Cedar Key should not be confused with Cedar Key on Florida's northern Gulf Coast. Instead, residents are connected to the Charlotte Harbor waterfront through Punta Gorda's canal network.

Buyers interested in understanding the wider area can explore the Hunt Brothers Realty Punta Gorda Isles waterfront and boating guide.

What Is the Boating Access Like?

Boating is one of the strongest distinguishing features at Villas of Cedar Key. Current property information documents saltwater canal frontage and navigable water access within the Punta Gorda Isles canal system.

Current Unit 1-O is marketed with a deeded concrete dock and no-fixed-bridge access toward Charlotte Harbor and the Peace River. Its listing also states that boat lifts may be permitted subject to association board approval.

Those details should not automatically be applied to every residence. Before buying for boating, a purchaser should verify:

Whether a specific dock is legally assigned or deeded to the unit
Dock dimensions
Water depth
Dock utilities
Whether a lift exists
Lift capacity and condition
Association approval requirements for dock or lift modifications
Vessel length, beam, draft and height compatibility
Current navigation conditions and route to Charlotte Harbor

Dock rights should be confirmed through title and condominium documents. Physical dock, lift and vessel compatibility should be evaluated with the appropriate qualified marine contractor, surveyor, engineer or other professional when material to the purchase.

What Amenities Does Villas of Cedar Key Have?

Villas of Cedar Key provides a focused set of recreational amenities rather than the extensive facilities found in some larger resort-style communities.

Verified community features include:

Community swimming pool
Tennis facilities
Association-owned recreational areas
Saltwater canal frontage
Water access
Dock facilities associated with selected residences
Guest parking
Maintained common grounds

Charlotte County public-pool records independently document the Villas of Cedar Key pool at 3600 Bal Harbor Boulevard.

How Much Are the Condo Fees?

Current 2026 MLS-derived property information for Villas of Cedar Key reports a condominium fee of approximately $695 per month.

For Unit 1-G, current records report that the assessment includes items such as:

Community pool
Reserve funding
Certain association insurance
Structural maintenance
Grounds maintenance
Management
Pest control
Pool and recreational facilities
Sewer
Trash
Water

Unit 1-O's current marketing similarly states that water, sewer and trash are included while owners remain responsible for interior insurance.

Fee inclusions can change and MLS descriptions can summarize association obligations differently. Buyers should review the current association budget, financial statements, reserve information, master insurance policy and estoppel rather than relying exclusively on a listing description.

Are There Condos for Sale at Villas of Cedar Key?

Late-2026 research identified two active residences at 3600 Bal Harbor Boulevard.

Unit 1-G

Unit 1-G was marketed at approximately $180,000 in late 2026. The residence has two bedrooms, two bathrooms and approximately 1,089 square feet. Current marketing highlights a screened lanai, water and canal views, interior laundry, community pool and tennis facilities.

Unit 1-O

Unit 1-O entered the market in October 2026 at approximately $195,000. It also has two bedrooms, two bathrooms and approximately 1,089 square feet. Its current listing documents a screened waterfront lanai, impact windows, interior laundry and a deeded concrete dock with no-fixed-bridge boating access.

Prices and availability can change at any time. Buyers can browse current Punta Gorda waterfront condos for sale or contact Hunt Brothers Realty for current MLS availability.

What Is Nearby?

Villas of Cedar Key occupies an established Bal Harbor Boulevard location within Punta Gorda Isles. Current property marketing identifies St. Andrews South Golf Club directly across Bal Harbor Boulevard from the community.

Golf privileges are not included with condominium ownership. Buyers interested in golf should confirm current membership, public access and fee arrangements directly with the golf club.

The location also provides access toward Fishermen's Village, downtown Punta Gorda, waterfront parks, restaurants, shopping and other destinations around the city. The combination of boating and proximity to downtown is one reason buyers often compare established Punta Gorda Isles condominiums.

How Does Villas of Cedar Key Fit into Punta Gorda Isles?

Punta Gorda Isles is known for an extensive system of residential saltwater canals, along with golf-oriented and inland residential areas. Housing ranges from single-family waterfront homes to condominium communities of different ages and sizes.

Villas of Cedar Key represents the smaller-condominium side of that market. Its current two-bedroom residences are considerably more compact than many detached waterfront homes, while still providing a direct relationship with the canal system.

For buyers who want to compare alternatives, Hunt Brothers Realty's Punta Gorda waterfront condo search provides a broader view of available canal-front and harbor-oriented condominium properties.

Are Pets Allowed?

Current property information indicates that pets are permitted subject to association restrictions. Historical condominium records have also distinguished between pets kept by owners and pets kept by tenants.

Pet rules can change, and online records do not always reflect the most recent amendments. Buyers should obtain the current written pet policy directly from the association before purchasing when pet ownership is important.

Can Condos Be Rented?

Current MLS information identifies lease restrictions at Villas of Cedar Key, but the complete current leasing terms should be obtained from the condominium association before a buyer relies on rental use.

Minimum lease periods, approval requirements, rental frequency and tenant restrictions can materially affect how a condominium may be used. Buyers planning to rent should review the current declaration, rules and application procedures and obtain appropriate legal guidance when interpretation is required.

Is Villas of Cedar Key a 55+ Community?

Current property information reviewed does not identify Villas of Cedar Key as an age-restricted 55-plus community. Buyers for whom age restrictions are important should confirm the current condominium documents before making a decision.

What Should Buyers Know About Flood Risk?

Waterfront property in coastal Southwest Florida requires property-specific flood due diligence. Current property information for Unit 1-O identifies a FEMA Zone AE setting, but buyers should verify the current designation for the exact condominium rather than assume every residence has identical flood information.

Flood maps, lender requirements and insurance pricing can change. Buyers should obtain current flood information, elevation documentation when available and property-specific insurance quotes before making a purchasing decision.

What Should Buyers Know About Insurance?

Condominium insurance has both association and individual-owner components. Current Villas of Cedar Key property information reports certain association insurance among fee inclusions, while Unit 1-O's marketing specifically notes that owners are responsible for interior insurance.

A buyer should understand the association master policy, deductibles, coverage boundaries and individual-unit coverage requirements. Loss-assessment exposure should also be discussed with an insurance professional.

Insurance availability, coverage and premiums can vary substantially by property. Buyers should obtain property-specific quotes and review both the master policy and individual coverage with a qualified insurance professional before making a purchasing decision.

What Should Buyers Review Before Purchasing?

Because Villas of Cedar Key combines an established 1980s condominium property with waterfront infrastructure, association and boating due diligence should receive as much attention as the interior condition of the residence.

Important items can include:

Current condominium budget
Reserve funding
Recent and pending special assessments
Applicable structural inspection and reserve-study information
Association master insurance
Insurance deductibles
Roof and exterior maintenance history
Waterfront and seawall maintenance responsibilities
Dock ownership or assignment
Dock and lift maintenance responsibility
Boat-lift approval requirements
Pet rules
Leasing restrictions
Flood information
Unit-specific insurance requirements

Inspection findings should be evaluated with the appropriate licensed inspector, contractor, engineer or other qualified professional. Questions involving condominium documents, assessments, dock rights, title or other legal matters should be reviewed with a qualified Florida real estate attorney or other appropriate legal professional when individualized guidance is needed.

Who Should Consider Villas of Cedar Key?

Villas of Cedar Key can merit consideration from buyers who want a smaller Punta Gorda Isles condominium with a direct connection to the canal system and shared recreational amenities.

Characteristics that may place the community on a buyer's comparison list include:

Established Punta Gorda Isles location
Saltwater canal frontage
No-fixed-bridge boating access documented for current waterfront inventory
Deeded dock rights with selected residences
Two-bedroom, two-bath layouts
Approximately 1,089-square-foot current examples
Screened waterfront outdoor living
Community pool
Tennis
Association-maintained common areas
Proximity to Punta Gorda dining, shopping and waterfront destinations

Buyers who want larger floor plans, private garages, newer construction or extensive resort amenities may want to compare other Punta Gorda waterfront condominium communities.

Villas of Cedar Key Blends Condo Convenience with Waterfront Living

Villas of Cedar Key occupies an interesting niche within Punta Gorda Isles. Its compact condominiums provide a more manageable alternative to a detached waterfront home while preserving many of the features buyers associate with the area's coastal lifestyle.

The canal setting, screened lanais, pool, tennis and documented boating access create a strong connection with the water. At the same time, the community's age and current association fee make financial, structural and insurance due diligence important parts of the buying process.

For boaters, the most important step is confirming the rights and specifications attached to the exact unit. A deeded dock can be a significant feature, but only when its dimensions, condition, legal status and water access match the buyer's intended vessel and use.

Explore Punta Gorda Isles with Hunt Brothers Realty

Hunt Brothers Realty can help buyers compare Villas of Cedar Key with other boating, waterfront and low-maintenance options throughout Punta Gorda. Start with the Punta Gorda Isles community guide and property search, then compare current Punta Gorda waterfront condos for sale.

For help checking current Villas of Cedar Key availability, association information or comparable waterfront communities, contact Hunt Brothers Realty.

Informational notice: This article provides general real estate and educational information only and is not individualized legal, financial, tax, insurance, lending, inspection, engineering, marine or other professional advice. Condominium fees, reserves, assessments, insurance, flood information, pet and leasing rules, dock rights, lift approvals and boating conditions can change and may differ by unit. Buyers should obtain current condominium documents, budgets, reserve information, insurance records, title information, property disclosures and an estoppel, and consult the appropriate licensed real estate professional, Florida real estate attorney, insurance professional, lender, inspector, engineer, marine contractor, surveyor, title professional or other qualified professional when a purchasing decision requires individualized guidance.