405 RIDGECREST DRIVE, PUNTA GORDA, FL, 33982
Active179 days on marketListed Feb 5, 2026MLS #C7521474
About this home
405 RIDGECREST DRIVE
Waterfront Living with Rapid Access to Open Water in Peace River Shores Set in the sought-after waterfront community of Peace River Shores, this property is a dream basecamp for boaters who value fast, unobstructed access to the water. From your backyard dock, enjoy a short, efficient ride to the Peace River, Charlotte Harbor, and onward to the Gulf of Mexico—ideal for fishing runs, sunset cruises, and spontaneous days on the water. The home offers a smart, split-bedroom layout with two bedrooms and two baths, creating privacy for owners and guests alike. A spacious main living area flows into an enclosed Florida room that overlooks the water, where daily views include native wildlife and passing boats. The kitchen and living spaces are designed for easy entertaining after a day on the water. Outside is where this property truly shines for the boating lifestyle. In addition to the attached garage, the property features multiple outbuildings including a large, full-size shop—perfect for storing boats, trailers, RVs, fishing gear, and water toys. The private dock and boat lift accommodate up to a 24-foot vessel, making it easy to be on the water within minutes. Peace of mind comes with key upgrades, including a roof replaced just 2 years ago, a water heater only 1 year old, and 9 NEW HURRICANE IMPACT WINDOWS COMING SOON for added storm protection, energy efficiency, and long-term value. The home is located in an X flood zone and was not impacted by recent hurricanes, adding another layer of confidence. Peace River Shores is a non-deed-restricted community offering a neighborhood boat ramp and clubhouse, allowing flexibility rarely found in waterfront neighborhoods. Conveniently located near shopping, dining, and daily necessities, 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.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,492
Sqft
0.41 ac
Lot size
2
Garage
1987
Year built
One
Levels
$298
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 — not generic estimates.
$3,276 /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
$3,276/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
−12.2%
$/sqft vs Punta Gorda actives
$298 vs $206
Days on market
179 vs 59 typical
Where $298/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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
177 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 256% 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 405 RIDGECREST 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$227,000
390 HAZEL CIRCLE · same community
5 bd · 2 ba · 1,400 sqft · $162/sqft · 120 DOM
Sold · Mar ’26$455,000
29350 GOODHUE STREET · same community
3 bd · 2 ba · 1,587 sqft · $287/sqft · 13 DOM
Sold · Jun ’26$250,000
168 RICHLAWN AVENUE · same community
3 bd · 2 ba · 1,592 sqft · $157/sqft · 6 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 405 RIDGECREST DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 405 RIDGECREST DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
405 RIDGECREST DRIVE FAQs
What would the monthly payment be for 405 RIDGECREST DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,276/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 RIDGECREST DRIVE?+
The most recent tax bill on record (2025) was $3,596. 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 405 RIDGECREST 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 $445,000, this home is listed about 31% above the Punta Gorda median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 405 RIDGECREST 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.
The brief
Three things that matter here
01Positioned at the premium end
$445,000 runs 256% above the PUNTA GORDA 33982 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
179 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of GRANT TEAM REAL ESTATE, LLC · Christopher Grant. MLS #C7521474.
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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