28451 SILVER PALM DRIVE, PUNTA GORDA, FL, 33982
Active437 days on marketListed May 14, 2025MLS #C7509897
About this home
28451 SILVER PALM DRIVE
Discover the perfect blend of peace and potential with this 80-foot canal-front lot in Palm Shores (NO HOA), ideally situated on a quiet cul-de-sac road. With a concrete seawall already in place, this prime cleared parcel is ready for your dream home. Located in a serene waterfront community known for its outstanding fishing and abundant wildlife, you'll enjoy direct access to the Peace River and Charlotte Harbor. Only two high-clearance bridges—each over 40 feet—stand between you and the open waters of the Gulf of Mexico, making this a boater’s paradise. Embrace the natural beauty that surrounds you as you explore the scenic waterways. This is .22-acre lot and is not in a Scrub Jay Zone (check again during due diligence to ensure nothing has changed). All this tranquility comes with the convenience of being just minutes from Punta Gorda’s charming historic district, local shops, and quick access to I-75. SELLING LOTS 135 AND 134 SEPARATE. WILL BE SPLIT AT CLOSING. SEE MLS# C7509893 for Lot 135.
Facts & features
The home at a glance
0.22 ac
Lot size
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 — not generic estimates.
$887 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$887/mo
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
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)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the PUNTA GORDA 33982 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 28451 SILVER PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$285,000
28427 COCO PALM DRIVE · same community
3 bd · 2 ba · 1,574 sqft · $181/sqft · 118 DOM
Sold · May ’26$540,000
2045 RIVER BASIN TERRACE · same community
3 bd · 2 ba · 1,612 sqft · $335/sqft · 54 DOM
Sold · Nov ’25$339,000
28434 SABAL PALM DRIVE · same community
3 bd · 2 ba · 1,705 sqft · $199/sqft · 273 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 28451 SILVER PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28451 SILVER 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.
Straight answers
28451 SILVER PALM DRIVE FAQs
What would the monthly payment be for 28451 SILVER PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $887/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 28451 SILVER PALM DRIVE?+
The most recent tax bill on record (2024) was $1,130. 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 28451 SILVER PALM DRIVE?+
The listing reports pets: 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 $100,000, this home is listed about 71% 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 28451 SILVER 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
01Under the PUNTA GORDA 33982 market on paper
$100,000 is 26% below the PUNTA GORDA 33982 median of $135,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
437 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of MARINA PARK REALTY LLC · Robbie Sifrit. MLS #C7509897.
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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