45 SEAWATCH LAKE DRIVE, BOCA GRANDE, FL, 33921
Active10 days on marketListed Oct 28, 2026MLS #D6149414
About this home
45 SEAWATCH LAKE DRIVE
Newly renovated with luxury wide plank hardwood floors throughout, impact windows and doors throughout, composite decking and fresh interior paint. The paver driveway into the gated community of Seawatch that introduces a charming lakefront spacious 3 bedroom, 3 and one-half bath Villa graced by Lake Gasparilla. The solarium entry with a circular staircase comes complete with an open floor living/dining area, wood cathedral ceilings, and a screened lanai with excellent lake views. The kitchen showcases wood cabinets, wainscot backsplash and plenty of counter space. Other features include plantation shutters throughout, turret style guest bedroom with beadboard vaulted ceiling, one car garage, and ample storage. The spacious master suite offers a vaulted ceiling, and open balcony with easterly lake views. Seawatch is a waterfront gated community of 49 residence featuring 4 beach accesses, 2 tennis courts and 2 pools and located between Lake Gasparilla and the Gulf of Mexico.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,885
Sqft
0.11 ac
Lot size
1991
Year built
Two
Levels
$728
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.
$16,943 /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
$16,943/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.
$/sqft vs Boca Grande actives
$728 vs $1,388
Days on market
10 vs 15 typical
Where $728/sqft sits among the 62 Boca Grande 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 Boca Grande
Get to know Boca Grande. See the full Boca Grande guide →
BOCA GRANDE 33921 — neighborhood snapshot
Population
391
Median age
69.7
Median home value
$2,000,000
Avg household
1.45
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Boca Grande market
$1.7M → $4.7M
Boca Grande median sold, yr/yr
91.6%
Sale-to-list ratio (12 mo)
9 of 62
Boca Grande actives have cut their price
Median sold price, Boca Grande, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% above the BOCA GRANDE 33921 median. See the full Boca Grande market guide →
Paper trail
This home's history
Reality check
What actually sold near 45 SEAWATCH LAKE 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$2,400,000
43 SEAWATCH LAKE DRIVE · same community
3 bd · 3 ba · 3,074 sqft · $781/sqft · 16 DOM
Sold · Oct ’26$3,602,000
5000 GASPARILLA ROAD UNIT 48-B
3 bd · 3 ba · 2,822 sqft · $1,276/sqft · 0 DOM
Sold · May ’26$1,925,000
5858 GASPARILLA ROAD UNIT 39
3 bd · 3 ba · 2,779 sqft · $693/sqft · 75 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 45 SEAWATCH LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 SEAWATCH LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
45 SEAWATCH LAKE DRIVE FAQs
What would the monthly payment be for 45 SEAWATCH LAKE DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $16,943/mo — principal and interest, the actual property-tax bill, the $867/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 45 SEAWATCH LAKE DRIVE?+
The association fee works out to $867 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 45 SEAWATCH LAKE DRIVE?+
The most recent tax bill on record (2025) was $22,962. 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 45 SEAWATCH LAKE 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 Boca Grande?+
At $2,100,000, this home is listed about 19% below the Boca Grande median of $2,595,000. The market section on this page shows how the area is trending.
Which schools are assigned to 45 SEAWATCH LAKE DRIVE?+
L. A. Ainger Middle School (middle), Vineland Elementary School (elementary), Lemon Bay 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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Know the monthly fee
The association fee is $867/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong assigned schools
L. A. Ainger Middle School, Vineland Elementary School, Lemon Bay High School — Vineland Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of GULF TO BAY SOTHEBY'S INTERNAT · Jeff Moore. MLS #D6149414.
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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