5439 RIVER BAY DRIVE, Punta Gorda, FL, 33950 | $169,900

RARE WATERFRONT LOT IN "BY THE SEA" COMMUNITY. BOATER'S PARADISE WITH ZERO BRIDGES:
Bring your blueprints and your boat! This premium vacant lot offers 75 feet of prime waterfront already equipped with a sturdy rip-rap seawall and wood dock. Nestled in a unique, private community offering a charming mix of custom stucco homes and pristine, well-groomed manufactured homes, this property gives you the ultimate flexibility to build your dream lifestyle at an unbeatable price.
Boating enthusiasts will love the true sailboat water with absolutely no bridge restrictions. Navigate quickly through Buckley Pass to find yourself in open water in just 5 to 7 minutes.
By Water: Cruise up Alligator Creek for a casual bite at the Riviera Tiki Bar and Grill, or take a short boat ride to the iconic Fishermen's Village to explore boutique shops, diverse restaurants, and the world-class Military Heritage Museum.
By Land: You are just a few minutes' drive from historic downtown Punta Gorda. Enjoy a vibrant local dining scene, weekend farmers markets, boutique shopping, and miles of serene, harbor-front parks.
Whether you want to build a custom coastal home, design a private pool oasis, or just launch your kayaks right from your backyard, this location delivers the perfect blend of high-energy adventure and laid-back Florida relaxation. Invest now at today's price and dream until you choose to retire or buy today and build this year! Opportunities in this location at this price point are incredibly rare—schedule your viewing today and start living the salt life tomorrow!

Features

  • Frontage: Canal: 75
  • Lot Size: 75 x 102
  • HOA Fee: $200 Annually
  • Lot Desc: Buildable, Cleared, Flood Plain, In County, Level, Room For Pool, Street Dead-End
  • View: Water
  • Water Front: Yes
  • Elem. School: Sallie Jones Elementary
  • Middle School: Punta Gorda Middle
  • High School: Charlotte High
  • Pet Policy: Yes
  • MLS#: C7528165
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/C7528165/5439riverbaydrive_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 7/11/2026 2:46:57 AM)
Listing courtesy of KW PEACE RIVER PARTNERS   Phone: 941-875-9060

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
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To learn more about our credentials, visit raveis.com today.

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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

5439 RIVER BAY DRIVE, Punta Gorda, FL, 33950

$169,900

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $135,920 $135,920 $135,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.640% 5.972%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $826 $858 $1,129
Total Monthly Payment $901 $933 $1,204

* 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.