David Ramirez
$234,000$250,0002 bd2 ba1,002 sqft$234 /sqft$1,756 /mo all-in ↓

28474 COCO PALM DRIVE, PUNTA GORDA, FL, 33982

Active145 days on marketListed Feb 28, 2026MLS #A4684366

Reduced $16KSingle Family ResidencePALM SHORES

About this home

28474 COCO PALM DRIVE

Major improvements have already been completed, including a brand-new well (2026), new water softener system (2026), new reverse osmosis system (2026), 4-year-old roof, 3-year-old A/C system, and septic system replaced in 2018. The interior and exterior components of the aerator system have also been replaced. Additional upgrades include a brand-new water heater and well pump, two new toilets, marble window sills, PGT windows, hurricane shutters, new window treatments, and energy-efficient LED recessed lighting throughout. Approximately $30,000 in improvements have been invested in the home. Don’t miss this rare opportunity to own a beautifully updated home in an incredible location offering comfort, privacy, and peace of mind. Situated on higher elevation and never having experienced flooding, this property provides added long-term value and security. Palm Shores is known for its canal-front charm, and this home enjoys that same coastal ambiance with waterways just across the street. While not directly waterfront, the neighborhood’s connection to Charlotte Harbor makes it ideal for those who love boating, fishing, and the relaxed Florida lifestyle—all just minutes from Punta Gorda. The kitchen is updated with a stainless steel refrigerator, Bosch dishwasher, and stainless steel electric range featuring convection and air fryer capabilities. The newly installed reverse osmosis system adds additional convenience and value. Outdoor living is enhanced by a screened-in lanai overlooking a generous yard surrounded by lush greenery, offering privacy and a serene setting ideal for entertaining or relaxing. Additional features include an alarm system and a one-car garage. This move-in ready home combines loads of updates, functional features, and a prime Florida location.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,002

Sqft

0.21 ac

Lot size

1

Garage

1988

Year built

One

Levels

$234

Per sqft

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer · Water Softener · Whole House R.O. System
InteriorCeiling Fan(s) · Eating Space In Kitchen · L Dining · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryIn Garage
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock
FoundationBlock
FacesEast
ExteriorOther · Private Yard

Community & fees

Taxes (2025)$1,377/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,756 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,378
FHA mortgage insurance (est.)$103
Property tax — 2025 actual bill$115
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,190Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,190
Interest rate6.00%
Loan term

Estimated payment

$1,756/mo

Principal & interest$1,378
FHA mortgage insurance (est.)$103
Property taxes (actual bill)$115
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Punta Gorda

Map of 28474 COCO PALM DRIVE

Get to know Punta Gorda. See the full Punta Gorda guide →

PUNTA GORDA 33982 — neighborhood snapshot

Population

12,543

Median age

53.1

Median income

$68,514

Median home value

$285,400

Avg household

2.24

Households w/ children

1,033

For the school run

Charlotte County School District

ElementaryEast Elementary School★★★★★
MiddlePunta Gorda Middle School★★★★★
HighCharlotte High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Punta Gorda market

Seller’s marketBalanced6.0 months of inventoryBuyer’s market

$345K$345K

Punta Gorda median sold, yr/yr

95.0%

Sale-to-list ratio (12 mo)

Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 73% above the PUNTA GORDA 33982 median. See the full Punta Gorda market guide →

Paper trail

This home's history

CurrentPrice reduced to $234,000 $16K
Feb 28, 2026Listed at $250,000 · 145 days on market since
1988Built · PALM SHORES

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 28474 COCO PALM DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 28474 COCO PALM DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

28474 COCO PALM DRIVE FAQs

What would the monthly payment be for 28474 COCO PALM DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,756/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 28474 COCO PALM DRIVE?+

The most recent tax bill on record (2025) was $1,377. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Punta Gorda?+

At $234,000, this home is listed about 32% below the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.

Which schools are assigned to 28474 COCO PALM DRIVE?+

East Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$234,000 runs 73% above the PUNTA GORDA 33982 median.

02Time on market is leverage

145 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $250,000, now $234,000 — a $16K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Kendall Rodesiler. MLS #A4684366.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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