8320 RIVERSIDE DRIVE UNIT 94, PUNTA GORDA, FL, 33982
Active155 days on marketListed Feb 19, 2026MLS #D6146233
About this home
8320 RIVERSIDE DRIVE UNIT 94
Sunset views overlooking Shell Creek. Adjacent to the creek and sitting high with no history of flooding, this home delivers both beauty and peace of mind. Step outside and you’ll quickly see why this feels like such a special place. A large deck with retractable awning creates the perfect spot for morning coffee, evening cocktails, and unforgettable sunsets, while the surrounding creek and wildlife provide a tranquil, ever-changing backdrop. Two carports add convenience, and the setting offers rare privacy within the community. Inside, the open floor plan is bright and welcoming, ideal for entertaining or simply enjoying everyday life. The kitchen features creek views and a moveable center island, giving you flexible prep and storage space. An in-unit laundry area and ample storage make the home as practical as it is comfortable, seamlessly blending indoor living with the outdoors just beyond your doors. When you’re ready to venture out, you’re just minutes from Punta Gorda, where you’ll find vibrant dining, shopping, waterfront parks, and local events. Lazy Lagoon is more than just a place to live, it’s a lifestyle. Residents enjoy access to a private road, additional guest parking, and a community boat ramp, perfect for boating, kayaking, or paddleboarding on Shell Creek. A fish cleaning station makes it easy to enjoy your catch, while the 2,000± sq. ft. clubhouse offers space for social gatherings and private events, complete with a billiards room, shuffleboard courts, and a full commercial kitchen. The community spans 37 acres with over 2,000 feet of beautifully maintained shoreline along Shell Creek, creating a peaceful, nature-filled environment. For boat and trailer owners, a private, secured storage compound is available for a small annual fee, an exceptional convenience. Back home, enjoy low HOA fees, a quiet neighborhood, and the relaxed, social atmosphere Lazy Lagoon is known for. This is Florida living the way it’s meant to be, laid-back, scenic, and easy. Don’t miss the opportunity to make this waterfront retreat your own. Schedule your private showing today.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
798
Sqft
0.11 ac
Lot size
2005
Year built
One
Levels
$182
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.
$1,337 /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
$1,337/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 LAZY LAGOON MOB HME PARK COOP
$182 vs $156
Days on market
155 vs 59 typical
Where $182/sqft sits among the 6 homes for sale in LAZY LAGOON MOB HME PARK COOP
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 → $345K
Punta Gorda median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
2 of 6
LAZY LAGOON MOB HME PARK COOP have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% 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 8320 RIVERSIDE DRIVE UNIT 94
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$165,000
135 LAZY LAGOON DRIVE · same community
2 bd · 2 ba · 1,372 sqft · $120/sqft · 158 DOM
Sold · Mar ’26$134,500
3204 BAYSIDE PARKWAY
2 bd · 2 ba · 832 sqft · $162/sqft · 105 DOM
Sold · Jan ’26$100,000
3314 BAYSIDE PARKWAY UNIT C2900
2 bd · 2 ba · 896 sqft · $112/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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8320 RIVERSIDE DRIVE UNIT 94 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8320 RIVERSIDE DRIVE UNIT 94 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
8320 RIVERSIDE DRIVE UNIT 94 FAQs
What would the monthly payment be for 8320 RIVERSIDE DRIVE UNIT 94?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,337/mo — principal and interest, the actual property-tax bill, the $210/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 8320 RIVERSIDE DRIVE UNIT 94?+
The association fee works out to $210 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8320 RIVERSIDE DRIVE UNIT 94?+
The most recent tax bill on record (2025) was $603. 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 8320 RIVERSIDE DRIVE UNIT 94?+
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 Punta Gorda?+
At $144,900, this home is listed about 58% below the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 8320 RIVERSIDE DRIVE UNIT 94?+
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.
The brief
Three things that matter here
01Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
155 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $150,000, now $144,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Erin Halstead. MLS #D6146233.
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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