8982 SEAGRAPE LANE, BOCA GRANDE, FL, 33921
Active10 days on marketListed Oct 2, 2026MLS #TB8554301
About this home
8982 SEAGRAPE LANE
This remodeled beach house on Little Gasparilla Island is just a short walk from the beach and comes with deeded beach access. Located on a unique bridgeless barrier island, it offers privacy, natural beauty, and a relaxed Florida coastal lifestyle. Updated in 2023, this 2-bedroom, 1-bath home is designed for both personal use and vacation rental, making it a great chance to own an island retreat. The open floor plan connects the living, dining, and kitchen areas, creating a comfortable space for everyday living. The kitchen has new stainless-steel appliances, wood cabinets, and a granite island. From here, you can step out onto a large screened lanai, which extends the living space and is perfect for relaxing. Picture yourself starting the day with coffee in the fresh air or spending the evening with friends, listening to the quiet sounds of the island. Downstairs, there are three large storage rooms, including one finished area with air conditioning, a seating area, and a counter. This flexible space can be used as a retreat, hobby room, workspace, or for storing beach gear. Outside, there is a grill hut for casual meals and a tiki-style umbrella that creates a shaded spot to relax after a day at the beach. This home is more than just a place to stay; it's a spot to unwind, reconnect, and enjoy the Florida lifestyle. Whether you want a private getaway, a vacation home, or a property with rental potential, this remodeled Little Gasparilla Island home is a rare chance to own a piece of Florida's coast.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
600
Sqft
0.12 ac
Lot size
1985
Year built
Two
Levels
$917
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.
$3,963 /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
$3,963/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.
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
$917 vs $1,414
Days on market
10 vs 153 typical
Where $917/sqft sits among the 34 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
633
Median age
68.3
Median income
$121,849
Median home value
$2,000,000
Avg household
1.6
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
$1.6M → $2.4M
Boca Grande median sold, yr/yr
91.4%
Sale-to-list ratio (12 mo)
8 of 34
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 49% below the BOCA GRANDE 33921 median. See the full Boca Grande market guide →
Paper trail
This home's history
Reality check
What actually sold near 8982 SEAGRAPE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$735,000
8796 GRAND AVENUE · same community
1 bd · 1 ba · 930 sqft · $790/sqft · 140 DOM
Sold · Jul ’26$595,000
8932 GULF STREET · same community
3 bd · 2 ba · 1,398 sqft · $426/sqft · 28 DOM
Sold · Jun ’26$1,150,000
8798 GRAND AVENUE · same community
3 bd · 2 ba · 2,079 sqft · $553/sqft · 131 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8982 SEAGRAPE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8982 SEAGRAPE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8982 SEAGRAPE LANE FAQs
What would the monthly payment be for 8982 SEAGRAPE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,963/mo — principal and interest, the actual property-tax bill, the $46/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 8982 SEAGRAPE LANE?+
The association fee works out to $46 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8982 SEAGRAPE LANE?+
The most recent tax bill on record (2025) was $3,316. 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 8982 SEAGRAPE LANE?+
The listing reports pets: No. 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 $550,000, this home is listed about 81% below the Boca Grande median of $2,872,500. The market section on this page shows how the area is trending.
Which schools are assigned to 8982 SEAGRAPE LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of JACK KELLER INC · John Keller, III. MLS #TB8554301.
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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