405 HILE LANE, PUNTA GORDA, FL, 33982
Active38 days on marketListed Jun 24, 2026MLS #D6147863
About this home
405 HILE LANE
Waterfront Lot situated in the boating community of Peace River Shores. Located just off of hwy 17 and minutes away from the Punta Gorda Airport and I-75. This vacant lot is cleared and ready for buyers to build on. Boating enthusiasts will love that it sits on a canal with direct water access to the Peace River, Charlotte Harbor and the Gulf. Looking for even more land? The adjacent corner lot is also available for sale- giving you the rare potential to create a sprawling double corner waterfront estate (411 Hile Lane). Peace River Shores is a non-deeded restricted community with an Optional HOA which private owners can join and get access to the neighborhood boat ramp and clubhouse, allowing flexibility rarely found in waterfront neighborhoods. Conveniently located near Punta Gorda's charming historic downtown, Fishermen's Village, top-rated restaurants, and excellent fishing, yet tucked away enough to preserve a private, laid-back coastal feel. Whether you’re an avid fisherman, cruiser, or waterfront enthusiast, this property delivers storage, access, and lifestyle—all with exceptionally quick time to open water. Don't miss this opportunity to secure your slice of waterfront Florida living!
Facts & features
The home at a glance
0.21 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.
$442 /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
$442/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 72% 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 405 HILE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$185,000
155 SUMMERSET DRIVE · same community
2 bd · 2 ba · 1,064 sqft · $174/sqft · 49 DOM
Sold · Mar ’26$234,000
29341 PASSION FLOWER STREET · same community
2 bd · 1 ba · 1,152 sqft · $203/sqft · 48 DOM
Sold · Sep ’25$250,000
422 OMEN STREET · same community
2 bd · 1.5 ba · 1,200 sqft · $208/sqft · 168 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 405 HILE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 405 HILE 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
405 HILE LANE FAQs
What would the monthly payment be for 405 HILE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $442/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 405 HILE LANE?+
The most recent tax bill on record (2025) was $423. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Punta Gorda?+
At $39,000, this home is listed about 89% 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 405 HILE 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.
Keep looking
Similar homes nearby
Listing courtesy of LASBURY-TRACY REALTY INC. · Susana Jimenez. MLS #D6147863.
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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