28976 Smugglers LN, Punta Gorda, FL, 33982 | $1,499,900

The rarest of opportunities awaits—where country charm, coastal elegance, and modern convenience converge into a dream home of unparalleled beauty. Located in the gated community of the Estates on Peace River, this immaculately maintained and extensively upgraded property is a true masterpiece of craftsmanship and thoughtful design.
Step inside and be captivated by the inviting, open layout that seamlessly blends sophisticated elegance with luxurious comfort. The four spacious bedrooms and three beautifully appointed baths offer generous space for both family and guests. The private, well-sized primary suite is a serene retreat, boasting a spa-worthy bathroom with luxurious finishes that rival your favorite resort, and a large custom closet designed to keep you organized in style.
At the heart of the home lies a chef’s dream kitchen—featuring exquisite, high-quality European cabinets that combine sleek design with superior functionality, along with top-of-the-line, built-in Miele appliances for the ultimate in culinary performance. A walk-in pantry completes the space, perfectly designed to meet your every storage need with flair and efficiency.
Beyond the impeccable interior, the outdoor living area truly elevates this home to a class of its own. A sprawling lanai, adorned with stunning pine tongue-and-groove ceilings, offers multiple seating areas to relax and entertain. The large outdoor kitchen is fully equipped to handle gatherings of any size, while the saltwater pool and spa create an entertainer’s paradise. Imagine cozy evenings by the custom-built firepit, where you can unwind under a canopy of stars.
Boating enthusiasts will revel in the dedicated 12, 000-lb boat lift with direct access to Charlotte Harbor and beyond, promising endless waterfront adventures to Sanibel, Captiva, Useppa, and beyond. The expansive, fenced yard includes a puppy run, ensuring your four-legged friends feel just as pampered as you do.
Custom touches abound throughout the property, including built-in office cabinetry, a spacious three-car garage equipped with custom storage solutions and an EV charging station, a Whole House RO water system, a comprehensive security and camera system, and a powerful 24kW whole-house generator for continuous peace of mind.
Every corner of this extraordinary residence tells a story of luxury, meticulous attention to detail, and modern refinement. This is far more than a house—it’s a lifestyle, a haven, and the perfect canvas for creating lifelong memories.

Features

  • Amenities: Community Boat Ramp,Fishing Pier,Marina,See Remarks
  • Bedrooms: 4
  • Baths: 3 full
  • Style: 1 Story/Ranch
  • Development: PUNTA GORDA
  • Year Built: 2021
  • Garage: 3-car Detached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 2,850
  • Acreage: 1.29
  • Est. Taxes: $8,217
  • Master HOA Fee: $935
  • Lot Desc: Oversize
  • View: Landscaped Area,Preserve
  • Community Type: Boating
  • Water Front: Yes
  • Boat Access: Boat Canopy/Cover,Boat Dock Private,Boat Lift,Boat Slip,Dock Included,Elec Avail at dock
  • Private Pool: Yes
  • Pet Policy: No Approval Needed
  • MLS#: 225007042
  • Website: https://www.raveis.com
    /eprop/225007042/28976smugglersln_puntagorda_fl?source=qrflyer
Copyright © 2025  The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations Copyright Southwest Florida MLS organizations. All rights reserved.
Courtesy of John R Wood Properties

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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28976 Smugglers LN, Punta Gorda, FL, 33982

$1,499,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,199,920 $1,199,920 $1,199,920
Term 360 months 360 months 180 months
Initial Interest Rate** 7.000% 6.625% 6.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.200% 6.748% 6.786%
Monthly Tax Payment $685 $685 $685
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $7,983 $7,683 $10,535
Total Monthly Payment $8,793 $8,493 $11,345

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.