28959 SMUGGLERS LANE, PUNTA GORDA, FL, 33982
Active38 days on marketListed Sep 30, 2026MLS #C7531417
About this home
28959 SMUGGLERS LANE
Welcome to this stunning custom residence, where timeless architecture meets the relaxed elegance of Florida living. Perfectly framed by towering palm trees and a sweeping brick paver driveway, this home makes an unforgettable first impression with its grand façade, arched entryway, and beautifully manicured landscaping. Architectural details shine throughout, from stately columns and decorative balustrades to the tile roof and refined exterior finishes that reflect a Mediterranean-inspired design. An oversized driveway and multiple garage bays provide ample space for guests and storage, while the lush surroundings create a private, estate-like setting. Situated within the exclusive, private gated enclave of The Estates on the Peace River, this extraordinary waterfront estate offers over 4,400 square feet of luxurious living on more than an acre, showcasing endless views of the Peace River and protected preserves. This custom-built, two-story Mediterranean masterpiece features 4 spacious bedrooms, 4.5 baths, a dedicated office, formal living and dining rooms, and a laundry room on the main level, with an upstairs fourth bedroom and full bathroom that can also serve as a media or game room. Exquisitely crafted, the home boasts soaring 16- to 20-foot coffered ceilings, 20-inch polished travertine flooring, 8-foot doors, solid wood cabinetry, granite countertops, stainless steel appliances, and a central vacuum system. The luxurious primary suite offers coffered ceilings, dual walk-in closets, and a spa-like bath complete with dual vanities, a jetted tub, and an expansive walk-through shower. Exceptional resort-style outdoor living awaits! This expansive screened lanai features a heated swimming pool with a built-in spa, offering the perfect blend of relaxation and year-round enjoyment. Designed for entertaining, the outdoor space includes ample lounging and seating areas set on elegant paver flooring, all protected by a full screen enclosure. The highlight is the tiki hut with a full kitchen, creating the ultimate outdoor entertaining and dining experience. Seamless indoor-outdoor flow and generous covered areas make this backyard a true private oasis—ideal for hosting gatherings or enjoying Florida’s outdoor lifestyle in comfort and style. Outdoors, the lush tropical landscaping is supported by a well-based irrigation system, while a three-car garage, brick paver motor court, and authentic clay tile roof complete this truly glamorous waterfront estate on the Peace River. Community amenities include boat ramp, boat slip for each home site, fishing pier, and tiki hut for casual get-togethers. For added opportunity and privacy, this property can also be combined with the adjacent Lot 20, available for an additional $150,000. **PLEASE ENJOY THE 3D INTERACTIVE VIRTUAL TOUR ASSOCIATED WITH THIS LISTING**
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,621
Sqft
1.43 ac
Lot size
3
Garage
2008
Year built
Two
Levels
$357
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.
$12,591 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$12,591/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+74.3%
$/sqft vs Punta Gorda actives
$357 vs $208
Days on market
38 vs 65 typical
Where $357/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
$325K → $340K
Punta Gorda median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
172 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 965% 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 28959 SMUGGLERS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$740,000
521 BOBCAT COURT
4 bd · 3 ba · 3,705 sqft · $200/sqft · 118 DOM
Sold · Mar ’26$850,000
29336 SAM WAY
4 bd · 4 ba · 3,636 sqft · $234/sqft · 79 DOM
Sold · Jun ’26$1,500,000
27440 EGRET PLACE
4 bd · 3 ba · 3,285 sqft · $457/sqft · 104 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 28959 SMUGGLERS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28959 SMUGGLERS LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
28959 SMUGGLERS LANE FAQs
What would the monthly payment be for 28959 SMUGGLERS LANE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $12,591/mo — principal and interest, the actual property-tax bill, the $255/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 28959 SMUGGLERS LANE?+
The association fee works out to $255 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 28959 SMUGGLERS LANE?+
The most recent tax bill on record (2025) was $14,091. 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 28959 SMUGGLERS LANE?+
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 $1,650,000, this home is listed about 360% above the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 28959 SMUGGLERS 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 MARINA PARK REALTY LLC · Brian Ziegler. MLS #C7531417.
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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