28426 & 28434 ROYAL PALM DRIVE, PUNTA GORDA, FL, 33982
Active87 days on marketListed May 11, 2026MLS #C7526018
About this home
28426 & 28434 ROYAL PALM DRIVE
DIRECT WATERFRONT HOMESITE | PALM SHORES | PEACE RIVER ACCESS Build your dream home on this exceptional waterfront double lot in the desirable Palm Shores community of Punta Gorda. Offering direct access to the Peace River, this property presents a rare opportunity to enjoy the ultimate Florida waterfront lifestyle with boating, fishing, and kayaking right from your backyard. Featuring 160 feet of waterfront frontage, this homesite is ready for your custom vision. PROPERTY HIGHLIGHTS 160 feet of direct waterfront Direct access to the Peace River Ideal for boating, kayaking, and fishing Located in the sought-after Palm Shores community BUILDING OPPORTUNITY Perfect location for a custom waterfront residence Plenty of space for a pool and outdoor living area Opportunity to design your own dock and boat lift No required timeline to build — buy now and build later LOCATION BENEFITS Quick access to open water via the Peace River Minutes from downtown Punta Gorda shopping and dining Close to parks, golf courses, and waterfront recreation Convenient access to major roadways and Gulf Coast beaches An outstanding opportunity to secure a prime waterfront homesite with direct river access and create the Florida lifestyle you’ve always envisioned.
Facts & features
The home at a glance
0.43 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.
$1,413 /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
$1,413/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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% 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 28426 & 28434 ROYAL 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 28426 & 28434 ROYAL PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28426 & 28434 ROYAL 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
28426 & 28434 ROYAL PALM DRIVE FAQs
What would the monthly payment be for 28426 & 28434 ROYAL PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,413/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 28426 & 28434 ROYAL PALM DRIVE?+
The most recent tax bill on record (2025) was $2,125. 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 28426 & 28434 ROYAL 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 $170,000, this home is listed about 50% below the Punta Gorda median of $343,250. The market section on this page shows how the area is trending.
Which schools are assigned to 28426 & 28434 ROYAL 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.
Keep looking
Similar homes nearby
Listing courtesy of HOME MATCHMAKING REALTY · Joel Desguin. MLS #C7526018.
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.
Never miss a listing
New Punta Gorda homes, in your inbox
Like 28426 & 28434 ROYAL PALM DRIVE but not quite? A daily digest of every new listing in Punta Gorda — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →