Punta Gorda waterfront with deep sailboat access and no HOA. Built in 2016 with hurricane-grade construction, this 3-bedroom, 2-bath home sits on 100 feet of frontage along the Eldorado Waterway, about 12 minutes by boat to open Charlotte Harbor with no fixed bridges. The 3-year-old concrete dock has a covered boat lift and is ready for your boat the day you close. The house is 1,971 square feet under air with a 4-car oversized tandem garage (35x30) that includes a dedicated workshop and pass-through doors front to back. Classic-car owners, hobbyists, and contractors will know exactly what they're looking at. A standard two-car garage doesn't exist for this kind of buyer. This one does. Inside: tray and coffered ceilings, crown molding, porcelain tile, and full hurricane shutters. The home sits at one of the highest elevations in the area and has never had water intrusion, including through Hurricane Ian. Transferable flood insurance is $1,401 per year, verifiable on the policy. That's a number worth comparing to anything else you're touring on the water. The community is Riviera Lagoons, a small no-HOA, no-CDD, no-deed-restriction enclave between Punta Gorda Isles and Burnt Store. You can park a boat trailer, an RV, or a work truck without filing a request. Schools: Sallie Jones Elementary, Punta Gorda Middle, Charlotte High.