
28492 ROYAL PALM DRIVE, PUNTA GORDA, FL, 33982
Active16 days on marketListed Oct 22, 2026MLS #C7532293
About this home
28492 ROYAL PALM DRIVE
Key West-inspired waterfront retreat with direct sailboat access, new dock and boat lift (2025), and 80 feet of concrete seawall! Discover this exceptional fully furnished, custom-built 2023 home featuring 3 bedrooms, 2 bathrooms, a private office, and an oversized 2-car garage in the waterfront community of Palm Shores in Punta Gorda! Designed with creativity and attention to detail, this distinctive residence blends modern construction with vibrant coastal character. A striking blue exterior, cheerful yellow front door, and tropical landscaping create memorable curb appeal. Inside, the bright, open-concept floor plan showcases white shiplap walls, light-toned plank-style flooring throughout, and soaring vaulted ceilings. Recessed lighting, decorative fixtures, plantation shutters, and abundant natural light enhance the inviting atmosphere. The spacious great room flows effortlessly into the dining area and kitchen, while expansive pocket sliding glass doors open to the screened lanai, creating an ideal layout for entertaining. The showstopping kitchen features rich blue Shaker-style cabinetry, vibrant orange retro-style Big Chill appliances, a Vetrazzo recycled glass island, and a Fireclay farmhouse sink. A generous breakfast bar provides casual seating, complemented by open display shelving and stylish pendant lighting. The adjoining dining area offers a welcoming space for everyday meals and gatherings. The spacious primary suite offers a peaceful retreat with a decorative ceiling fan and large windows overlooking the surrounding greenery. Its ensuite bathroom features a custom distressed blue wood vanity, rustic wood countertop, white vessel sink, wall-mounted faucet, and oversized wood-framed mirror. The walk-in shower is beautifully finished with blue subway-style tile, pebble-stone flooring, and a window for natural light. Two additional guest bedrooms provide comfortable accommodations, while the guest bathroom showcases a nautical porthole-style mirror, vintage-inspired wall-mounted faucet, white farmhouse-style sink, and walk-in shower with white subway tile. A distressed storage cabinet adds a charming finishing touch. A dedicated home office provides flexibility for remote work or hobbies. Enjoy the outdoors from the spacious screened lanai, featuring colorful Adirondack seating, decorative string lighting, and views of the backyard. A separate wood deck with fire pit creates another inviting gathering space, while the fenced yard offers privacy amid lush tropical surroundings. Boating enthusiasts will appreciate the new dock 2025 and boat lift installed 2026, 80 feet of concrete seawall, and direct sailboat access to the Peace River, with access to Charlotte Harbor and the Gulf of Mexico beyond. Additional highlights include hurricane-impact windows and doors, an approximately 11-foot elevation, and modern building code construction. The oversized 2-car garage features an epoxy-finished floor, a 220V electrical outlet, and generous space for vehicles, storage, or a workshop. With no HOA or association fees, this property offers flexibility for year-round or seasonal enjoyment. Conveniently located near historic downtown Punta Gorda, waterfront parks, shopping, dining, entertainment, and I-75, this home puts Southwest Florida's attractions within easy reach.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,578
Sqft
0.21 ac
Lot size
2
Garage
2023
Year built
One
Levels
$380
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.
$4,559 /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
$4,559/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
+85.7%
$/sqft vs Punta Gorda actives
$380 vs $208
Days on market
16 vs 65 typical
Where $380/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)
173 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 286% 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 28492 ROYAL PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$285,000
28427 COCO PALM DRIVE · same community
3 bd · 2 ba · 1,574 sqft · $181/sqft · 118 DOM
Sold · May ’26$540,000
2045 RIVER BASIN TERRACE · same community
3 bd · 2 ba · 1,612 sqft · $335/sqft · 54 DOM
Sold · Aug ’26$270,000
2028 RIVER BASIN TERRACE · same community
3 bd · 2.5 ba · 1,639 sqft · $165/sqft · 388 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 28492 ROYAL PALM DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28492 ROYAL PALM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
28492 ROYAL PALM DRIVE FAQs
What would the monthly payment be for 28492 ROYAL PALM DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,559/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 28492 ROYAL PALM DRIVE?+
The most recent tax bill on record (2025) was $4,864. 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 28492 ROYAL PALM 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 $599,000, this home is listed about 67% 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 28492 ROYAL PALM 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.
Keep looking
Similar homes nearby
Listing courtesy of MARINA PARK REALTY LLC · Brian Ziegler. MLS #C7532293.
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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