28984 GIN LANE, PUNTA GORDA, FL, 33982
Active9 days on marketListed Sep 11, 2026MLS #C7530626
About this home
28984 GIN LANE
Luxury, Privacy & Boating at Its Finest Meticulously maintained, move-in ready estate nestled within the intimate, gated riverfront community of The Estates of Peace River Shores. Privately positioned on 1.14 acres at the end of a quiet cul-de-sac, this exceptional residence offers the perfect blend of luxury, privacy, security and effortless waterfront living. A true standout within the community, this home is thoughtfully designed and loaded with high-end upgrades. The spacious great-room floor plan features ceramic tile throughout, a striking custom accent wall with built-in fireplace, and a gorgeous gourmet kitchen showcasing Level 5 granite countertops, top-tier Bosch appliances and a convenient butler’s pantry. Elegant plantation shutters throughout add a timeless touch, while impact windows provide both security and peace of mind. Designed for modern convenience and self-sufficient living, the home includes a 24kW Generac whole-house generator, a 10-camera security system, Starlink high-speed satellite internet, and a whole-house reverse osmosis water system. Step outside and discover an exceptional outdoor living environment created for both relaxation and entertaining. The expansive screened lanai features a large propane-heated pool and spa with sun shelf, along with a beautiful full outdoor kitchen—the perfect setting for enjoying Florida’s year-round outdoor lifestyle with family and friends. For the boating enthusiast, the lifestyle is truly exceptional. The property includes a deeded boat slip with a 13,000-lb. boat lift, water and electric, with direct Gulf access via the Peace River. From your private boating destination, enjoy easy access to Charlotte Harbor, the Gulf of Mexico and the restaurants, entertainment and amenities of downtown Punta Gorda and Fisherman's Village. With its peaceful gated setting, expansive homesite, impressive upgrades, exceptional outdoor living and coveted boating access offering a rare opportunity to enjoy the best of Southwest Florida living without the price tag often associated with this level of luxury...this is a property you don't want to miss.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,364
Sqft
1.14 ac
Lot size
3
Garage
2022
Year built
One
Levels
$423
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.
$6,835 /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
$6,835/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
+40.6%
$/sqft vs Punta Gorda actives
$423 vs $202
Days on market
9 vs 63 typical
Where $423/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)
222 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 570% 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 28984 GIN 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 · Sep ’26$1,075,000
2033 TREASURE LANE · same community
4 bd · 3 ba · 2,790 sqft · $385/sqft · 1110 DOM
Sold · Jan ’26$1,120,000
28976 SMUGGLERS LANE · same community
4 bd · 3 ba · 2,850 sqft · $393/sqft · 21 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 28984 GIN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28984 GIN LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
28984 GIN LANE FAQs
What would the monthly payment be for 28984 GIN LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,835/mo — principal and interest, the actual property-tax bill, the $253/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 28984 GIN LANE?+
The association fee works out to $253 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 28984 GIN LANE?+
The most recent tax bill on record (2024) was $7,879. 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 28984 GIN LANE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $999,000, this home is listed about 195% above the Punta Gorda median of $339,094. The market section on this page shows how the area is trending.
Which schools are assigned to 28984 GIN 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 REALTY ONE GROUP MVP · Cheryl Fischer. MLS #C7530626.
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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