1220 SPANISH CAY LANE, Punta Gorda, FL, 33950 | $1,150,000

Under contract-accepting backup offers. Experience elevated **Gulf-access waterfront living** at 1220 Spanish Cay Lane, a custom **3-bedroom, 3-bath, 3-car garage pool home** where refined design, boating convenience, and the Punta Gorda lifestyle come together beautifully. Positioned to capture over 100 feet of waterfront view, this residence features a 50-foot concrete dock, 10, 000 lb boat lift, and approximately 10-minute access to open water — creating the effortless Southwest Florida boating lifestyle buyers dream about. From sunrise mornings on the lanai to afternoons cruising toward the Gulf and evenings gathered poolside, this home was designed for living beautifully.

Just 5 minutes from downtown Punta Gorda, enjoy close access to waterfront dining, boutiques, festivals, community events, walking and biking trails, the dog park, nearby golf courses, and the airport approximately 10 minutes away. It is a rare blend of privacy, convenience, and true coastal lifestyle.

Inside, the home feels warm, polished, and intentionally designed. Neutral tile flows throughout, while soaring ceilings, crown molding, plantation shutters, designer tray and coffered ceiling details, and expansive **10-foot-high, 90-degree glass pocket doors** create a refined sense of openness. The large great room is both impressive and inviting, with pocketing glass doors that completely open the interior living space to the lanai, pool, and waterfront beyond. This seamless indoor-outdoor connection, paired with panoramic screen views across the back of the home, creates the effortless Florida luxury lifestyle buyers dream about.

The kitchen is a sophisticated focal point, thoughtfully designed with the elevated finishes luxury buyers expect. Rich wood cabinetry, stone countertops, a large island with seating, pendant lighting, stainless steel appliances, built-in wall oven and microwave, induction cooktop, sleek vent hood, beverage cooler, walk-in pantry, and a beautifully detailed tile backsplash create a space that is as functional as it is elegant. Whether hosting guests, preparing dinner after a day on the water, or enjoying a quiet morning at the island, this kitchen anchors the home with warmth, style, and purpose.

The unique split-bedroom layout places each bedroom on separate sides of the home, offering exceptional privacy for owners and guests. The private primary suite is calm, elegant, and spa-like — a true retreat within the home. Soft natural light, tray ceiling detail, and a spacious layout create an inviting sense of serenity, while the beautifully appointed bath features dual vanities, stone countertops, refined lighting, a freestanding soaking tub, and an impressive Roman shower with multiple shower heads, including a ceiling rainfall showerhead.

Outdoor living is exceptional, with an oversized screened lanai, pavered lanai, resort-style pool, covered seating and dining areas, wood-accent ceiling detail, outdoor kitchen/wet bar area, fenced yard, and **panoramic screen views across the back of the home** overlooking the water. Storm impact windows, a whole-house generator, propane tank, irrigation system, and motorized Kevlar roll-down shutter protection for the lanai areas add valuable peace of mind. Elegant, functional, and beautifully positioned on Gulf-access water, this custom home delivers the luxury Punta Gorda waterfront lifestyle at its finest.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Year Built: 2016
  • Garage: 3-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,511
  • Acreage: 0.27
  • Est. Taxes: $18,467
  • Lot Desc: City Lot, Landscaped, Near Golf Course, Near Marina
  • View: Water
  • Water Front: Yes
  • Pool: Gunite, Heated, In Ground, Lighting, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer
  • MLS#: C7526269
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /eprop/C7526269/1220spanishcaylane_puntagorda_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/26/2026 5:38:13 AM)
Listing courtesy of RE/MAX HARBOR REALTY   Phone: 941-639-8500

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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1220 SPANISH CAY LANE, Punta Gorda, FL, 33950

$1,150,000

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 $920,000 $920,000 $920,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.385% 6.223%
Monthly Tax Payment $1,539 $1,539 $1,539
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,516 $5,665 $7,763
Total Monthly Payment $7,180 $7,329 $9,427

* 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.