28474 COCO PALM DRIVE, PUNTA GORDA, FL, 33982
Active146 days on marketListed Feb 28, 2026MLS #A4684366
About this home
28474 COCO PALM DRIVE
Major improvements have already been completed, including a brand-new well (2026), new water softener system (2026), new reverse osmosis system (2026), 4-year-old roof, 3-year-old A/C system, and septic system replaced in 2018. The interior and exterior components of the aerator system have also been replaced. Additional upgrades include a brand-new water heater and well pump, two new toilets, marble window sills, PGT windows, hurricane shutters, new window treatments, and energy-efficient LED recessed lighting throughout. Approximately $30,000 in improvements have been invested in the home. Don’t miss this rare opportunity to own a beautifully updated home in an incredible location offering comfort, privacy, and peace of mind. Situated on higher elevation and never having experienced flooding, this property provides added long-term value and security. Palm Shores is known for its canal-front charm, and this home enjoys that same coastal ambiance with waterways just across the street. While not directly waterfront, the neighborhood’s connection to Charlotte Harbor makes it ideal for those who love boating, fishing, and the relaxed Florida lifestyle—all just minutes from Punta Gorda. The kitchen is updated with a stainless steel refrigerator, Bosch dishwasher, and stainless steel electric range featuring convection and air fryer capabilities. The newly installed reverse osmosis system adds additional convenience and value. Outdoor living is enhanced by a screened-in lanai overlooking a generous yard surrounded by lush greenery, offering privacy and a serene setting ideal for entertaining or relaxing. Additional features include an alarm system and a one-car garage. This move-in ready home combines loads of updates, functional features, and a prime Florida location.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,002
Sqft
0.21 ac
Lot size
1
Garage
1988
Year built
One
Levels
$234
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 — not generic estimates.
$1,756 /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
$1,756/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 Punta Gorda actives
$234 vs $207
Days on market
146 vs 59 typical
Where $234/sqft sits among the 400 Punta Gorda 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 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)
181 of 400
Punta Gorda actives have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 75% 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 28474 COCO PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$285,000
28427 COCO PALM DRIVE · same community
3 bd · 2 ba · 1,574 sqft · $181/sqft · 118 DOM
Sold · May ’26$540,000
2045 RIVER BASIN TERRACE · same community
3 bd · 2 ba · 1,612 sqft · $335/sqft · 54 DOM
Sold · Nov ’25$339,000
28434 SABAL PALM DRIVE · same community
3 bd · 2 ba · 1,705 sqft · $199/sqft · 273 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 28474 COCO PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28474 COCO PALM DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
28474 COCO PALM DRIVE FAQs
What would the monthly payment be for 28474 COCO PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,756/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 28474 COCO PALM DRIVE?+
The most recent tax bill on record (2025) was $1,377. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Punta Gorda?+
At $234,000, this home is listed about 32% 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 28474 COCO PALM DRIVE?+
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
01Positioned at the premium end
$234,000 runs 75% above the PUNTA GORDA 33982 median.
02Time on market is leverage
146 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 $250,000, now $234,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Kendall Rodesiler. MLS #A4684366.
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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