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$865,000

Active

400 Gun Cay Ln, Punta Gorda, FL 33950

3 beds · 2 baths · 2,355 sq ft

Listing courtesy of SUNCOAST CHOICE REALTY · MLS# C7519992

289 days on market

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

What’s special

  • waterfront home
  • direct harbor access
  • concrete double dock
  • boat lift
  • heated pool and spa
  • smart home security
  • screened lanai
  • no HOA

AI-selected highlights from the listing description below.

CUSTOM WATERFRONT HOME WITH POOL and ACCESS TO GULF/OCEAN!!! Waterfront Luxury Home on Blue Crab Bay — Direct Access to Charlotte Harbor! Experience true waterfront living in this 2001 custom-built Sand Star home, perfectly situated on Blue Crab Bay with breathtaking intersecting canal views and direct access to Charlotte Harbor. Boaters will love the convenience of being just 13 minutes from Fishermen’s Village by water, with only one bridge to pass through. The property boasts approximately 140 feet of seawall and a concrete double dock (7' x 30') equipped with electricity, water supply, and a 13,000 lb. boat lift—tailor-made for fishing and powerboat enthusiasts. Home Highlights include 3 Bedrooms & 2 Bathrooms, 2,355 sq. ft. of living space (3,385 sq. ft. total), heated pool and spa with a waterfall feature overlooking the canal, Smart home security system with interior and exterior cameras and an open concept and split-bedroom floor plan designed for comfort and easy access. Step through the foyer into an elegant living space that flows seamlessly between the guest living room, formal dining area, dinette, and family room—all connected by tall sliding glass doors framing panoramic waterfront views. The primary suite exudes luxury and privacy with tray ceilings, crown molding, and natural light throughout. The primary bath includes a soaking tub, walk-in shower, dual sinks, and dual walk-in closets. An adjacent office opens directly to the lanai, perfect for working in serene surroundings. The gourmet kitchen features maple cabinetry, full appliances, a breakfast bar, and abundant storage space. Additional built-ins, bookshelves, ceiling speakers, and aquarium-style dinette windows enhance the home’s stylish character. Enjoy outdoor living at its finest with a screened lanai, poolside firepit, outdoor speakers and tranquil canal views that stretch across the horizon. A small workshop in the garage and ample parking add everyday convenience. Best of all, there’s no HOA, giving you freedom to fully enjoy your waterfront lifestyle. Nearby amenities include lots of dining & entertainment options including downtown Punta Gorda, Fishermen’s Village, Laishley Crab House, Gilchrist Park, and more while also being in close proximity to local beaches including Boca Grande, Cayo Costa, Englewood, and Venice and the Punta Gorda Airport is just 10 minutes away. Discover your tropical oasis — a perfect blend of elegance, comfort, and waterfront adventure. The owner is open to including some furnishings with the sale. This home truly has it all — and it won’t last long!

Facts

Property type
Single Family Residence
Year built
2001
Bathrooms
2 full
Living area
2,355 sqft
Lot size
0.24 acres
Waterfront
Yes · 20 ft
Water access
Bay/Harbor, Canal - Freshwater, Canal - Saltwater, Freshwater Canal w/Lift to Saltwater Canal, Gulf/Ocean
Water view
Yes
Private pool
Yes
Exposure
Southeast
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$8,625/yr
Listed
Jan 10, 2026
MLS #
C7519992

Price & status history

  1. Listed for $900,000
  2. Price reduced to $865,000from $885,000

Virtual tour

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 400 GUN CAY LN. Everything below is editable.

AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.

From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.

Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.

Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.

Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.

AssumptionNot applied — your down payment is 20% or more.

Estimated total monthly payment

$5,813

$4,374 of that is principal & interest. 25% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$4,374
Property taxes
$719
Homeowners insurance
$721
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$5,813

Over the life of the loan

Loan amount
$692,000
Down payment
$173,000
Total interest
$882,608
Principal + interest paid
$1,574,608
Paid off in
2056

Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.

Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.

Take a tour

Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

400 Gun Cay Ln, Punta Gorda, FL 33950

Listing courtesy of SUNCOAST CHOICE REALTY · MLS# C7519992 · Active

How would you like to see it?
Which day?
What time of day?

In person · Thu, Oct 29 · Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

Where this home is

Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.

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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 28, 2026, 8:22 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. 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. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. · [email protected]