5408 SEA EDGE DRIVE, PUNTA GORDA, FL, 33950
Active66 days on marketListed May 29, 2026MLS #J1001397
About this home
5408 SEA EDGE DRIVE
Beautiful oversized waterfront lot located in the gated community of Seaman’s Point in Punta Gorda. With sailboat access through Alligator Creek to Charlotte Harbor, you can be out to open water in just minutes from your future backyard. This property offers the perfect setting to build your Florida dream home and enjoy boating, fishing, and gorgeous waterfront living year round. Seaman’s Point is a private gated community known for its beautiful homes and peaceful atmosphere, while still being conveniently close to US 41, downtown Punta Gorda, restaurants, shopping, and entertainment. Opportunities like this are becoming harder to find, especially in a gated waterfront community with quick access to open water. Come take a look and imagine the possibilities.
Facts & features
The home at a glance
0.34 ac
Lot size
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.
$1,446 /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
$1,446/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.
Where it sits
Inside Punta Gorda Isles
Get to know Punta Gorda. See the full Punta Gorda guide →
Punta Gorda Isles — neighborhood snapshot
Population
10,031
Median age
68
Median income
$97,109
Median home value
$574,467
Avg household
2
Households w/ children
287
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)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 5408 SEA EDGE DRIVE
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$899,000
5424 SEA EDGE DRIVE · same community
3 bd · 2 ba · 2,569 sqft · $350/sqft · 88 DOM
Sold · May ’26$1,550,000
5455 SEA EDGE DRIVE · same community
3 bd · 3.5 ba · 2,674 sqft · $580/sqft · 2 DOM
Sold · Feb ’26$370,000
5464 RIVER BAY DRIVE
2 bd · 2 ba · 1,152 sqft · $321/sqft · 24 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 5408 SEA EDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5408 SEA EDGE DRIVE — 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
5408 SEA EDGE DRIVE FAQs
What would the monthly payment be for 5408 SEA EDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,446/mo — principal and interest, the actual property-tax bill, the $88/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 5408 SEA EDGE DRIVE?+
The association fee works out to $88 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5408 SEA EDGE DRIVE?+
The most recent tax bill on record (2025) was $1,545. 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 5408 SEA EDGE 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 $169,000, this home is listed about 51% 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 5408 SEA EDGE DRIVE?+
Sallie Jones Elementary School (elementary), Charlotte High School (high), Punta Gorda Middle School (middle) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PUNTA GORDA 33950 market on paper
$169,000 is 37% below the PUNTA GORDA 33950 median of $267,250.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Sallie Jones Elementary School, Charlotte High School, Punta Gorda Middle School — Sallie Jones Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $179,000, now $169,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1001397.
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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