28960 GIN LANE, PUNTA GORDA, FL, 33982
Active20 days on marketListed Jul 3, 2026MLS #A4693519
About this home
28960 GIN LANE
Virtually Staged. Experience elevated coastal-inspired living in this exquisite 3-bedroom, 3-bath residence nestled within the gated Estates on Peace River boasting WATERFRONT ACCESS. This neighborhood is where luxury, privacy, and waterfront access blend seamlessly. Enjoy an ASSIGNED BOAT SLIP, a private community boat launch, and tiki hut pavilion. This thoughtfully designed home with a modern neutral palette, the home welcomes you with soaring ceilings, crown molding, beautiful 8-foot single-panel doors, 5-inch baseboard trim, and a blend of LVP and 48 inch porcelain tile throughout. At the heart of the home, the designer kitchen impresses with its oversized island, quartz countertops accented by a stylish backsplash, premium stainless steel appliances, and solid wood soft-close cabinetry adorned with stylish hardware. Enjoy a private walk in butler’s pantry for added space and convenience. Whether entertaining or enjoying everyday living, this space is as inviting as it is refined. An added WHOLE-HOUSE REVERSE OSMOSIS SYSTEM enhances comfort and convenience throughout. The primary retreat is a serene sanctuary, offering generous space and a spa-like en-suite bathroom with an expansive frameless walk-in shower, dual vanities, and a spacious walk-in closet with custom-built cabinets and wood shelving. Two additional bedrooms and baths provide comfort and privacy for guests, while a spacious laundry room with cabinetry and storage adds everyday ease. Don't miss the additional DEN flex space, perfect for an office, play room, or entertainment zone. Step outside to the covered back patio and expansive backyard, set on an almost 1 acre lot, that invites outdoor living and future possibilities. Additional notable features include a NEW WELL AND PUMP SYSTEM (2024), impact windows, a tankless water heater, irrigation system, starlink satellite, and 25 gauge metal roof, further elevating the home’s value and peace of mind. The Estates on Peace River is a rare, master-planned enclave of 28.9+ acre parcels. Ideally positioned, this home offers convenient access to boating, fishing, and kayaking along the Peace River, with easy passage to Charlotte Harbor and the Gulf of Mexico. Nearby historic downtown Punta Gorda provides vibrant waterfront dining, easy access to the PG AIRPORT, boutique shopping, golf courses, parks, and marinas, while Southwest Florida’s renowned beaches, and cultural attractions are all within reach. This is luxury living close to the water—where tranquility, elegance, and an exceptional location come together beautifully. Don’t wait to make this one yours!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,321
Sqft
0.96 ac
Lot size
3
Garage
2022
Year built
One
Levels
$323
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,925 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,925/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+47.7%
$/sqft vs Punta Gorda actives
$323 vs $207
Days on market
20 vs 59 typical
Where $323/sqft sits among the 400 Punta Gorda actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Punta Gorda
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$345K → $345K
Punta Gorda median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
180 of 400
Punta Gorda actives have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 464% above the PUNTA GORDA 33982 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 28960 GIN LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$645,000
28968 GIN LANE · same community
3 bd · 2 ba · 2,100 sqft · $307/sqft · 527 DOM
Sold · Nov ’25$850,000
28944 GIN LANE · same community
4 bd · 3 ba · 2,586 sqft · $329/sqft · 794 DOM
Sold · Jan ’26$1,120,000
28976 SMUGGLERS LANE · same community
4 bd · 3 ba · 2,850 sqft · $393/sqft · 21 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 28960 GIN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28960 GIN LANE — 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.
Straight answers
28960 GIN LANE FAQs
What would the monthly payment be for 28960 GIN LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,925/mo — principal and interest, the actual property-tax bill, the $233/mo association fee 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.
How much are the HOA fees at 28960 GIN LANE?+
The association fee works out to $233 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 28960 GIN LANE?+
The most recent tax bill on record (2025) was $14,449. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 28960 GIN LANE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Punta Gorda?+
At $750,000, this home is listed about 117% above the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 28960 GIN LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Michele Weed. MLS #A4693519.
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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