8320 RIVERSIDE DRIVE UNIT 99, PUNTA GORDA, FL, 33982
Active50 days on marketListed Jun 3, 2026MLS #C7526890
About this home
8320 RIVERSIDE DRIVE UNIT 99
Welcome to this furnished, move-in ready 2-bedroom, 2-bath waterfront home with private dock and boat lift in the highly desirable 55+ Lazy Lagoon community. Built in 2005 and elevated 5 feet higher for added peace of mind, this well-maintained 1,152-square-foot home combines comfort, convenience, and waterfront charm. Major updates include a newer roof installed in 2023, a brand-new AC system and hot water heater in 2026, giving confidence that the most important improvements have already been completed. Step inside and enjoy beautiful luxury vinyl flooring that flows throughout the entire home, complemented by elegant crown molding in every room. The spacious great room combines the living and dining areas into an inviting space that feels bright and open. Sliding glass doors lead to a covered deck overlooking the canal, creating the perfect spot to enjoy morning coffee, evening sunsets, or simply take in the peaceful waterfront views. The updated kitchen is both functional and attractive, featuring wood cabinetry, generous countertop space, a refrigerator, stove, microwave, and a new dishwasher installed in 2026. The primary bedroom offers comfort and style with a ceiling fan and a private bathroom featuring a walk-in shower with glass doors. The guest bedroom also includes a ceiling fan, while the guest bathroom offers a convenient tub and shower combination. A laundry closet with a washer and dryer adds everyday convenience. Outside, new concrete steps provide easy access to the side and backyard areas. The two-car carport includes a secure storage shed that is perfect for tools, beach gear, fishing equipment, or seasonal items. Bikes in shed stay! Lazy Lagoon is more than just a neighborhood—it is a vibrant waterfront community packed with amenities. Residents enjoy a private road, additional guest parking, and an exclusive boat ramp for easy access to Shell Creek. Fishing enthusiasts will appreciate the convenient fish cleaning station, while the impressive 2,000-square-foot clubhouse with a commercial kitchen serves as the center for community events and gatherings throughout the year. Shuffleboard courts, a billiards room, and a pool room provide plenty of opportunities for recreation and entertainment. Boating enthusiasts will love the community’s more than 2,000 feet of maintained shoreline, along with a private secured compound for boat and trailer storage available for a small annual fee. The location puts you just minutes from Punta Gorda, offering outstanding dining, shopping, waterfront parks, and entertainment options. Don’t miss this opportunity to enjoy peaceful waterfront living in a well-maintained, amenity-rich community. Schedule your private tour today and discover everything this exceptional home and Lazy Lagoon have to offer.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,152
Sqft
0.07 ac
Lot size
2005
Year built
One
Levels
$156
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.
$1,660 /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
$1,660/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.
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
−2.8%
Days on market
50 vs 59 typical
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)
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
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 8320 RIVERSIDE DRIVE UNIT 99 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8320 RIVERSIDE DRIVE UNIT 99 — 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
8320 RIVERSIDE DRIVE UNIT 99 FAQs
What would the monthly payment be for 8320 RIVERSIDE DRIVE UNIT 99?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,660/mo — principal and interest, the actual property-tax bill, the $210/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 8320 RIVERSIDE DRIVE UNIT 99?+
The association fee works out to $210 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8320 RIVERSIDE DRIVE UNIT 99?+
The most recent tax bill on record (2025) was $1,820. 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 8320 RIVERSIDE DRIVE UNIT 99?+
The listing reports pets: No. 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 $179,900, this home is listed about 48% 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 8320 RIVERSIDE DRIVE UNIT 99?+
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.
Listing courtesy of KW PEACE RIVER PARTNERS · Rhonda Gustitus. MLS #C7526890.
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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