5439 RIVER BAY DRIVE, PUNTA GORDA, FL, 33950
Active28 days on marketListed Jul 9, 2026MLS #C7528165
About this home
5439 RIVER BAY DRIVE
RARE WATERFRONT LOT IN "BY THE SEA" COMMUNITY. BOATER'S PARADISE WITH ZERO BRIDGES: Bring your blueprints and your boat! This premium vacant lot offers 75 feet of prime waterfront already equipped with a sturdy rip-rap seawall and wood dock. Nestled in a unique, private community offering a charming mix of custom stucco homes and pristine, well-groomed manufactured homes, this property gives you the ultimate flexibility to build your dream lifestyle at an unbeatable price. Boating enthusiasts will love the true sailboat water with absolutely no bridge restrictions. Navigate quickly through Buckley Pass to find yourself in open water in just 5 to 7 minutes. By Water: Cruise up Alligator Creek for a casual bite at the Riviera Tiki Bar and Grill, or take a short boat ride to the iconic Fishermen's Village to explore boutique shops, diverse restaurants, and the world-class Military Heritage Museum. By Land: You are just a few minutes' drive from historic downtown Punta Gorda. Enjoy a vibrant local dining scene, weekend farmers markets, boutique shopping, and miles of serene, harbor-front parks. Whether you want to build a custom coastal home, design a private pool oasis, or just launch your kayaks right from your backyard, this location delivers the perfect blend of high-energy adventure and laid-back Florida relaxation. Invest now at today's price and dream until you choose to retire or buy today and build this year! Opportunities in this location at this price point are incredibly rare—schedule your viewing today and start living the salt life tomorrow!
Facts & features
The home at a glance
0.18 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 and the real association fee — not generic estimates.
$1,408 /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
$1,408/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 Isles
Get to know Punta Gorda. See the full Punta Gorda guide →
Punta Gorda Isles — neighborhood snapshot
Population
10,031
Median age
68
Median income
$97,109
Median home value
$574,467
Avg household
2
Households w/ children
287
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)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 5439 RIVER BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$370,000
5464 RIVER BAY DRIVE
2 bd · 2 ba · 1,152 sqft · $321/sqft · 24 DOM
Sold · Apr ’26$382,000
5479 RIVER BAY DRIVE
2 bd · 2 ba · 1,352 sqft · $283/sqft · 377 DOM
Sold · May ’26$220,000
5472 RIVER BAY DRIVE
3 bd · 2 ba · 1,560 sqft · $141/sqft · 31 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5439 RIVER BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5439 RIVER BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5439 RIVER BAY DRIVE FAQs
What would the monthly payment be for 5439 RIVER BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,408/mo — principal and interest, the actual property-tax bill, the $17/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 5439 RIVER BAY DRIVE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5439 RIVER BAY DRIVE?+
The most recent tax bill on record (2025) was $1,865. 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 5439 RIVER BAY 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 $169,900, this home is listed about 51% below the Punta Gorda median of $343,250. The market section on this page shows how the area is trending.
Which schools are assigned to 5439 RIVER BAY DRIVE?+
Sallie Jones Elementary School (elementary), Charlotte High School (high), Punta Gorda Middle School (middle) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PUNTA GORDA 33950 market on paper
$169,900 is 37% below the PUNTA GORDA 33950 median of $269,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Sallie Jones Elementary School, Charlotte High School, Punta Gorda Middle School — Sallie Jones Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · Kay Keller. MLS #C7528165.
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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