40 SEAWATCH LAKE DRIVE, BOCA GRANDE, FL, 33921
Active93 days on marketListed May 1, 2026MLS #D6147259
About this home
40 SEAWATCH LAKE DRIVE
A rare and remarkable opportunity in the exclusive Seawatch community of Boca Grande, this fully reimagined lakefront residence offers the space and feel of a custom estate with the ease of coastal living. Originally two villas, this home was masterfully combined and rebuilt from the studs in 2017, creating a seamless five-bedroom, five-and-a-half-bath retreat designed for both luxury and livability. From the moment you enter, expansive living spaces unfold with walls of glass—four sets of triple-panel sliders frame tranquil lake views and invite natural light to pour in. Wood-look tile flooring, crown molding, and plantation shutters elevate the interiors, while thoughtful details throughout reflect the quality of the renovation. The gourmet kitchen is a true showpiece, featuring Patagonia granite countertops, equipped with a Wolf range, wall oven, and microwave, a Sub-Zero cabinet-front refrigerator, wine refrigeration, a warming drawer, and an additional prep sink—perfectly suited for entertaining on any scale. A large kitchen island anchors the space, complemented by abundant cabinetry and exceptional storage throughout the home. The primary suite is a private sanctuary, featuring dual spa-inspired bathrooms, an oversized walk-in closet, and two sets of four-panel sliders that open to peaceful water views. Each additional bedroom offers comfort and privacy, making the home ideal for hosting family and guests. Modern systems—including hurricane-impact windows and doors, tankless propane water heaters, and a full gutter system—provide peace of mind, while the outdoor spaces are designed for effortless enjoyment with a propane-ready patio and seamless indoor-outdoor flow. Seawatch is a prestigious waterfront enclave of just 49 residences, thoughtfully positioned between the Gulf of Mexico and Lake Gasparilla. Residents enjoy exclusive amenities including access to the pristine Gulf shoreline, two community pools, and two tennis courts. This rare setting delivers a true barrier-island lifestyle—minutes from the charming village of Boca Grande for boutique shopping, fine dining, and world-class fishing and shelling.
Facts & features
The home at a glance
5
Bedrooms
6.5
Bathrooms
5,064
Sqft
0.21 ac
Lot size
2
Garage
1988
Year built
Three Or More
Levels
$938
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.
$33,110 /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
$33,110/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.
$/sqft vs Boca Grande actives
$938 vs $1,473
Days on market
93 vs 99 typical
Where $938/sqft sits among the 39 Boca Grande 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 Boca Grande
Get to know Boca Grande. See the full Boca Grande guide →
BOCA GRANDE 33921 — neighborhood snapshot
Population
633
Median age
68.3
Median income
$121,849
Median home value
$2,000,000
Avg household
1.6
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Boca Grande market
$1.6M → $3.3M
Boca Grande median sold, yr/yr
91.5%
Sale-to-list ratio (12 mo)
9 of 39
Boca Grande actives have cut their price
Median sold price, Boca Grande, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 309% above the BOCA GRANDE 33921 median. See the full Boca Grande market guide →
Paper trail
This home's history
Reality check
What actually sold near 40 SEAWATCH LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$2,400,000
43 SEAWATCH LAKE DRIVE · same community
3 bd · 3 ba · 3,074 sqft · $781/sqft · 16 DOM
Sold · Mar ’26$3,100,000
16250 SUNSET PINES CIRCLE
4 bd · 3.5 ba · 3,487 sqft · $889/sqft · 375 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 40 SEAWATCH LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40 SEAWATCH LAKE 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
40 SEAWATCH LAKE DRIVE FAQs
What would the monthly payment be for 40 SEAWATCH LAKE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $33,110/mo — principal and interest, the actual property-tax bill, the $1,733/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 40 SEAWATCH LAKE DRIVE?+
The association fee works out to $1,733 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 40 SEAWATCH LAKE DRIVE?+
The most recent tax bill on record (2025) was $45,656. 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 40 SEAWATCH LAKE 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 Boca Grande?+
At $4,750,000, this home is listed about 90% above the Boca Grande median of $2,497,500. The market section on this page shows how the area is trending.
Which schools are assigned to 40 SEAWATCH LAKE DRIVE?+
L. A. Ainger Middle School (middle), Vineland Elementary School (elementary), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$4,750,000 runs 309% above the BOCA GRANDE 33921 median — but at 5,064 sqft it's also nearly 3 times the size of the typical Boca Grande listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,733/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
L. A. Ainger Middle School, Vineland Elementary School, Lemon Bay High School — Vineland Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of GULF TO BAY SOTHEBY'S INTERNAT · Jeff Moore. MLS #D6147259.
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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