28975 SMUGGLERS LANE, PUNTA GORDA, FL, 33982
Active6 days on marketListed Jul 17, 2026MLS #C7528419
About this home
28975 SMUGGLERS LANE
Welcome to the exclusive waterfront gated community of the Estates on Peace River, where luxury, comfort, and thoughtful design come together. Built in 2022 this exceptional executive home showcases meticulous craftsmanship and attention to detail throughout. Situated on a picturesque 1.1-acre homesite with frontage on a peaceful pond, this 2,585 square-foot residence offers an impressive collection of high-end upgrades. The thoughtfully designed floor plan features a fully furnished 4 spacious bedrooms, 3 full bathrooms, and a private office with elegant French glass doors—ideal for working from home.This home was built for both beauty and durability, the home includes impact-resistant windows, a 24-gauge metal roof, an oversized side-entry three-car garage, and an expansive paver driveway and pool deck. Additional premium features include a 22-kilowatt whole-house generator with a 500-gallon underground propane tank, providing peace of mind year-round. At the heart of the home, the chef's kitchen is designed to impress with radiant quartz countertops, tile backsplash, abundant wood cabinetry, double ovens, wine cooler, and one of its favorite features is the spacious hidden walk-in pantry.The kitchen flows seamlessly into the inviting great room, complete with a tray ceiling, gas fireplace, and built-in surround sound system, creating the perfect space for entertaining or relaxing.The desirable split-bedroom layout offers privacy for the luxurious primary suite, featuring an oversized walk-through double closet space and a beautifully appointed en-suite bath. Throughout the home, soaring 10-foot-plus ceilings and 8-foot doors create an open, elegant atmosphere, while smart home technology adds everyday convenience. The home is finished with beautiful, variable-sized porcelain plank tile flooring that has a wood like appearance but sustainability of tile! With sliders fully opened you can enjoy the vast outdoor living area, fully equipped with a 32x14 heated salt-water pool, fire pit and built in gas grill and kitchen area. Owner has added a 36x16 workshop w/electricity for all your equipment and a 10,000# boat lift slip #4.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,586
Sqft
1.1 ac
Lot size
3
Garage
2022
Year built
One
Levels
$464
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.
$8,748 /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
$8,748/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
+80.4%
$/sqft vs Punta Gorda actives
$464 vs $208
Days on market
6 vs 59 typical
Where $464/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)
179 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 796% 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 28975 SMUGGLERS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
Sold · Jul ’26$1,110,000
2073 TREASURE LANE · same community
4 bd · 3 ba · 2,850 sqft · $389/sqft · 350 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 28975 SMUGGLERS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28975 SMUGGLERS 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
28975 SMUGGLERS LANE FAQs
What would the monthly payment be for 28975 SMUGGLERS LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,748/mo — principal and interest, the actual property-tax bill, the $300/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 28975 SMUGGLERS LANE?+
The association fee works out to $300 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 28975 SMUGGLERS LANE?+
The most recent tax bill on record (2025) was $16,351. 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 28975 SMUGGLERS LANE?+
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 $1,200,000, this home is listed about 248% 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 28975 SMUGGLERS 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.
The brief
Three things that matter here
01Positioned at the premium end
$1,200,000 runs 796% above the PUNTA GORDA 33982 median — but at 2,586 sqft it's also 50% larger than the typical Punta Gorda listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Punta Gorda market that averages 59 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Amber Kratzer. MLS #C7528419.
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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