Villas at Cobia Cay: Resort-Style Living Near Burnt Store Marina

by Hunt Brothers Realty

Villas at Cobia Cay is a small condominium villa community inside gated Burnt Store Marina, offering single-story attached residences, garages and landscaped, greenbelt or golf-oriented settings near the marina. The villas date primarily to 2001 and combine condominium ownership with a residential design that feels more like a traditional Southwest Florida villa than a stacked condominium. Residents are surrounded by Burnt Store Marina's boating, golf, dining and recreational environment, but buyers should distinguish Cobia Cay ownership from separately governed or separately priced marina, golf, fitness, racquet and pool services. The community has Punta Gorda mailing addresses but is physically located in Lee County.

Buyers considering Cobia Cay can explore the surrounding community through Hunt Brothers Realty's Burnt Store Marina real estate guide and compare the villas with other residential choices throughout this large gated community.

Quick Answers About Villas at Cobia Cay

Where Is Villas at Cobia Cay?

Villas at Cobia Cay is located along Cobia Villas Court inside gated Burnt Store Marina. The residences use Punta Gorda, Florida 33955 mailing addresses, but the community is physically located in Lee County.

Are Villas at Cobia Cay Condos or Single-Family Homes?

They are condominium residences designed in a single-story attached-villa format. Current property records identify condominium ownership while also documenting attached or duplex-style construction and private garages.

When Were Villas at Cobia Cay Built?

The Villas at Cobia Cay Condominium Association was established in 2000, and current property records document residences built primarily around 2001. WCI is identified as the builder in current listing information.

Are Villas at Cobia Cay Waterfront?

Current property records do not support describing Villas at Cobia Cay as a private waterfront or canal-front villa community. Residences reviewed have golf, greenbelt, preserve or landscaped settings, while Burnt Store Marina's deep-water marina is nearby within the larger community.

Does a Cobia Cay Villa Include a Boat Slip?

No automatic private boat-slip right was established in the current property records reviewed. Burnt Store Marina offers wet and dry boat storage and a boat ramp through its separately operated marina, with availability, pricing and vessel requirements subject to current marina policies.

Is Golf Included with Villas at Cobia Cay?

Buyers should not assume golf privileges are included with condominium ownership. Burnt Store Marina has golf within the community, but current membership options, fees and playing privileges should be verified directly with the golf operation.

Does Villas at Cobia Cay Have Resort-Style Amenities?

The resort-style appeal comes primarily from living within the broader Burnt Store Marina environment. Golf, a deep-water marina, restaurants, fitness facilities, tennis, pickleball, a pool and spa are available within the larger community, but buyers must verify which facilities require separate memberships, passes, fees or other arrangements.

What Is Villas at Cobia Cay Like?

Villas at Cobia Cay combines condominium maintenance with the feel of a low-rise residential villa neighborhood. Rather than living in a multi-story condominium building with common hallways and elevators, residents occupy single-story attached homes along Cobia Villas Court.

Current and recent property records document concrete-block and stucco construction, tile roofs, private entrances, screened outdoor spaces and attached garages. The overall format is particularly different from the mid-rise and high-rise condominiums found closer to the Burnt Store Marina basin.

The neighborhood is also small enough to feel distinct within the larger Burnt Store Marina community. Burnt Store Marina publications identify Cobia Cay Villas separately from nearby Cobia Cay Estates, which is another residential enclave and should not be confused with the condominium villas.

What Are the Villas Like Inside?

Current and historical records show compact single-story floor plans that make efficient use of their interior space. Recent examples range from approximately 1,150 to more than 1,340 square feet of living area.

Two-bedroom configurations are documented, along with open living areas, interior laundry and screened outdoor spaces. Individual floor plans and renovations vary by residence.

A current 2026 listing at 3810 Cobia Villas Court provides one useful example. The residence has approximately 1,341 square feet of living area, two bedrooms and an attached two-car garage. It was built in 2001 and has a greenbelt-oriented setting.

Another documented residence at 3780 Cobia Villas Court contains approximately 1,247 square feet and is identified as a single-story attached duplex-style residence with concrete-block and stucco construction and a tile roof.

Because these are resale properties dating to the early 2000s, kitchens, bathrooms, flooring, windows, storm protection, mechanical systems and interior finishes can differ substantially. Buyers should evaluate the specific residence rather than assuming another Cobia Cay villa's upgrades apply throughout the community.

Do Villas at Cobia Cay Have Garages?

Attached garages are a documented feature of Villas at Cobia Cay and help distinguish the neighborhood from some traditional condominium choices.

The current residence at 3810 Cobia Villas Court has an attached two-car garage. Historical property records for other residences also document attached garage parking.

Garage dimensions, parking rights and any restrictions on vehicles, golf carts or storage should still be confirmed for the individual property and through current association rules.

Are Villas at Cobia Cay on the Golf Course?

Golf is an important part of the Cobia Cay setting, although views vary by residence. Lee County-derived property information identifies golf-course influence for individual Villas at Cobia Cay properties, while other residences are marketed with greenbelt, preserve or landscaped views.

Buyers who specifically want a golf view should evaluate the exact residence. A Cobia Villas Court address by itself does not guarantee the same view or relationship to the course.

Golf privileges are also a separate issue from the view. Ownership of a villa should not be interpreted as automatic golf membership. Buyers planning to play regularly should verify current membership categories, dues, initiation costs if applicable, tee-time policies and guest privileges directly with the golf operation.

Is Villas at Cobia Cay a Waterfront Community?

Villas at Cobia Cay should not be described as a private canal-front villa community. Current property information for Cobia Villas Court documents no direct waterfront or water access for individual residences reviewed.

This is an important distinction because some older online descriptions place Villas at Cobia Cay in Punta Gorda Isles and describe canal frontage and private boating access. Current county, MLS and Burnt Store Marina records instead place the community inside Burnt Store Marina in Lee County.

The waterfront lifestyle comes from proximity to the Burnt Store Marina basin and Charlotte Harbor rather than a private canal directly behind each villa.

How Close Is Cobia Cay to Burnt Store Marina?

Cobia Cay is not simply near Burnt Store Marina in the broader geographic sense. It is located inside the gated Burnt Store Marina community.

Access to Cobia Villas Court is through the Burnt Store Marina community entrance. Current listing directions take residents and visitors through the guard gate, along Islamorada Boulevard and Cape Cole Drive to Cobia Villas Court.

That location places the villas within the same broader community as the marina, golf facilities, restaurants, fitness and racquet facilities and numerous other residential neighborhoods.

For a deeper overview, read Hunt Brothers Realty's guide to boating, golf and waterfront living at Burnt Store Marina.

What Makes the Burnt Store Marina Setting Feel Resort-Oriented?

Burnt Store Marina extends across more than 600 acres and combines residential neighborhoods with boating, golf, dining and recreational facilities. That broader setting is what gives Villas at Cobia Cay much of its resort-oriented appeal.

Within Burnt Store Marina, residents can find:

A privately operated deep-water marina
Wet and dry boat storage
Boat-launch facilities
Golf facilities
Fitness facilities and classes
Tennis courts
Pickleball courts
Community pool and spa facilities
Restaurants and casual dining
Golf-cart-friendly community travel
Independent boating and recreational businesses

These facilities should not all be interpreted as amenities automatically included in the Villas at Cobia Cay condominium fee. Memberships, access rights, user fees and availability vary by facility and should be confirmed directly before a buyer makes a decision based on a particular amenity.

What Does Burnt Store Marina Offer Boaters?

Burnt Store Marina's boating environment is one of the strongest reasons a boating buyer might consider Cobia Cay even though the villas themselves are not private waterfront homes.

The privately operated marina offers wet and dry storage along with a boat launch. Burnt Store Marina is positioned on Charlotte Harbor, creating access to Southwest Florida's larger boating waters.

A Cobia Cay purchase should not, however, be treated as a purchase of a marina slip. Boat owners should separately verify:

Current wet-slip availability
Dry-storage availability
Slip and storage rates
Vessel-size limitations
Utilities and marina services
Boat-ramp policies
Insurance requirements
Current marina rules

Marina services and availability can change, so boaters should confirm vessel-specific requirements directly with the marina before making a purchasing decision.

What About the Pool, Fitness Center, Tennis and Pickleball?

Burnt Store Marina has a Fitness, Racquet & Pool Club operated within the broader Section 22 community structure. Facilities include a fitness center, heated pool, spa, tennis and pickleball.

The fitness center includes cardiovascular and strength equipment, while scheduled classes can include fitness, stretching, balance and aquatic programs. Tennis and pickleball facilities support both recreational play and organized activities.

These facilities have membership and access requirements. The Burnt Store Marina Fitness, Racquet & Pool Club publishes current membership information, facility hours and access policies.

Buyers should not assume that payment of the Villas at Cobia Cay condominium assessment automatically creates full access to every recreational facility.

Does Burnt Store Marina Have a Community Pool and Spa?

Yes. Burnt Store Marina's Fitness, Racquet & Pool Club includes a heated pool and heated spa in a landscaped setting near The Resorts area.

The facility requires electronic access and is governed by current membership and guest policies. The Burnt Store Marina pool and spa page provides current operating information.

This distinction is important when comparing Cobia Cay with a condominium association that maintains its own private pool exclusively for residents. The broader Burnt Store Marina pool should be evaluated according to its current membership and access structure rather than treated as a private Cobia Cay amenity.

What Are the Association Fees at Villas at Cobia Cay?

Association expenses require careful review because Cobia Cay sits within a layered community structure. A villa can have obligations to the Villas at Cobia Cay condominium association as well as broader Burnt Store Marina or Section 22 obligations.

A current 2026 listing at 3810 Cobia Villas Court reports approximately $770 in calculated total monthly association fees. Current listing data reports that applicable association expenses include items such as 24-hour guard services, cable television, association insurance, structural maintenance, grounds maintenance, management, pest control and trash.

That figure should be treated as a current example for one residence, not a permanent community-wide quote. Fee structures and the way individual MLS systems categorize condominium and master-community assessments can differ.

Before purchasing, buyers should obtain current budgets, estoppel information and governing documents for every applicable association and determine exactly which expenses are included and which services require additional payment.

What Is Burnt Store Marina Section 22?

Section 22 is an important part of understanding ownership inside Burnt Store Marina. The broader homeowners association maintains common areas, roads, access systems and community infrastructure and collects an annual assessment through its property manager.

The official Burnt Store Marina Section 22 website also provides information about community access, architectural review and recreational facilities.

Buyers should understand the relationship between the Villas at Cobia Cay condominium association and the broader Section 22 obligations before calculating total ownership costs.

Is Burnt Store Marina Gated?

Burnt Store Marina uses controlled community access with staffed gatehouses and roving access-control personnel. Section 22 contracts for the community's access-control services, and resident assessments contribute to those services.

Controlled access is different from making a subjective statement about neighborhood safety. Buyers who want to understand specific access procedures can review the official Burnt Store Marina community-access information.

How Does Cobia Cay Compare with Other Burnt Store Marina Neighborhoods?

Burnt Store Marina contains a wide range of property types, so Cobia Cay is only one way to live inside the community. Buyers can compare single-story villas with mid-rise condominiums, tower residences, detached homes and other low-density neighborhoods.

For buyers interested in another Cobia Cay option, Estates at Cobia Cay offers detached single-family-style homes within a land-condominium ownership structure.

For buyers preferring larger condominium residences, Topaz Cove offers villa and townhome-style condominiums around an interior lagoon on Prosperity Point.

Those wanting marina-basin views can also explore Emerald Isle, while buyers looking at tower-style living can compare Grande Isle Towers. Each association has its own financial, structural, insurance and ownership considerations that require separate review.

How Does Villas at Cobia Cay Compare with Estates at Cobia Cay?

The similar names can cause confusion, but Villas at Cobia Cay and Estates at Cobia Cay are separate residential enclaves.

Villas at Cobia Cay consists of attached single-story condominium villas along Cobia Villas Court. Current examples are generally more compact, with approximately 1,150 to 1,340 square feet documented in reviewed residences.

Estates at Cobia Cay is along Cobia Estates Drive and consists of larger detached single-family-style residences within a land-condominium ownership structure. Private pools and larger homes are documented there.

Both are inside Burnt Store Marina, but buyers should review them as distinct associations with different residences, governing documents, fees and maintenance responsibilities.

Are Villas at Cobia Cay Low-Maintenance?

Condominium ownership can shift certain exterior and common-property responsibilities to the association, and current Cobia Cay listing information reports structural and grounds maintenance among association expenses.

However, "low-maintenance" should not be interpreted as "maintenance-free." Owners remain responsible for items assigned to them under the condominium declaration, and those responsibilities may include portions of the residence, interior systems, insurance and other expenses.

Buyers should review the condominium documents and current budget to determine responsibility for roofs, exterior walls, windows, doors, lanais, garages, storm protection, landscaping, plumbing, mechanical systems and other components before purchasing.

What Should Buyers Know About Insurance and Association Reserves?

Because Villas at Cobia Cay is legally a condominium, buyers should understand both the association's financial position and the division of insurance responsibility between the condominium association and individual owners.

Important documents can include:

Current association budget
Reserve information
Association insurance policies
Insurance deductibles
Recent association meeting minutes
Pending or completed capital projects
Special assessments, if any
Applicable inspection and reserve-study information
Maintenance responsibility provisions

Insurance availability, coverage, deductibles and premiums can vary substantially by property and policyholder. Buyers should obtain property-specific insurance quotes and review the association's current coverage with a qualified insurance professional before making a purchasing decision.

What Should Buyers Know About Flood Risk?

Burnt Store Marina is a coastal Southwest Florida community, making flood information an important part of property-specific due diligence. Historical flood-zone designations should not be assumed to remain unchanged or to apply uniformly throughout the community.

Buyers should obtain current flood-zone information for the exact villa, understand any lender requirements and discuss flood-insurance availability and pricing with a qualified insurance professional.

What Are the Pet and Leasing Rules?

Historical property records report that pets have been permitted subject to association restrictions and that leasing is allowed under specific rules. Older records have also referenced a one-month minimum lease.

Those historical rules should not be treated as guaranteed current policy. Buyers should obtain the latest condominium declaration, amendments, rules and regulations and verify pet limits, breed or size restrictions, lease minimums, rental frequency, approval requirements and any waiting periods directly with the association.

Are Any Villas at Cobia Cay for Sale?

Villas at Cobia Cay is a small neighborhood, so resale inventory can be limited. As of the current 2026 research period, one active listing was identified at 3810 Cobia Villas Court.

The residence was offered at approximately $245,000 and included two bedrooms, approximately 1,341 square feet of living area, a two-car attached garage and a greenbelt setting. The property was built in 2001.

Price, status and availability can change at any time. Buyers can view current Villas at Cobia Cay listings through Hunt Brothers Realty. The current HBR page is useful for live listing visibility, although its older descriptive community copy conflicts with current Lee County and MLS records and should not be relied upon for the community's location, age or waterfront status.

Who Should Consider Villas at Cobia Cay?

Villas at Cobia Cay may deserve consideration from buyers who prefer a single-story attached residence rather than a traditional condominium building and who want to live within the Burnt Store Marina environment.

The community may be particularly relevant to buyers looking for:

Single-story villa living
Condominium ownership
An attached private garage
Golf, greenbelt or landscaped surroundings
A gated master-community setting
Proximity to a deep-water marina
Nearby golf and recreational facilities
Restaurants and community activities nearby
A smaller residential enclave within Burnt Store Marina

Buyers requiring a private dock directly behind their residence should instead focus their search on properties with verified unit-specific waterfront and dock rights.

What Should You Verify Before Buying at Villas at Cobia Cay?

Before purchasing a Cobia Cay villa, buyers should review both the individual residence and every applicable association obligation.

Important due-diligence items include:

Current Villas at Cobia Cay condominium documents
Current condominium budget and reserves
Section 22 assessments and obligations
Association insurance and deductibles
Pending or recent special assessments
Roof and exterior maintenance responsibilities
Windows, doors and storm-protection responsibilities
Pet and leasing restrictions
Current flood information
Property-specific insurance costs
Golf membership costs, if desired
Fitness, pool and racquet membership terms, if desired
Marina storage availability and costs, if boating is important
Condition of the individual villa

Inspection findings should be evaluated with the appropriate licensed inspector, contractor, engineer or other qualified professional. Questions involving condominium documents, assessments, ownership rights, title or other legal matters should be reviewed with a qualified Florida real estate attorney or other appropriate legal professional when individualized guidance is needed.

Villas at Cobia Cay Combines Villa Living with the Burnt Store Marina Setting

Villas at Cobia Cay occupies a useful middle ground within Burnt Store Marina. The residences provide the single-story layout, private entrance and garage that many buyers associate with villa living, while condominium ownership shifts certain shared maintenance responsibilities to the association.

Outside the neighborhood, Burnt Store Marina adds the boating, golf, dining and recreational environment that makes the location distinctive. The key for buyers is understanding which features belong to the Cobia Cay condominium association and which are separate facilities within the larger community.

For buyers who make that distinction and prefer an attached villa over a condominium tower, Cobia Cay can be an interesting option within the broader Burnt Store Marina market.

Explore Villas at Cobia Cay with Hunt Brothers Realty

Hunt Brothers Realty can help buyers compare Villas at Cobia Cay with other villas, condominiums and homes throughout Burnt Store Marina. Browse current Villas at Cobia Cay listings, explore Burnt Store Marina homes and condos for sale, read the Burnt Store Marina boating and golf guide, or contact Hunt Brothers Realty to discuss current availability.

Informational notice: This article provides general real estate and educational information only and is not individualized legal, financial, tax, insurance, lending, inspection, engineering, marina, boating or other professional advice. Association fees, reserves, insurance, assessments, pet rules, leasing restrictions, flood information, marina availability, golf memberships, recreational memberships and listing availability can change. Buyers should obtain current property and association records and consult the appropriate licensed real estate professional, insurance professional, Florida real estate attorney, tax professional, home inspector, engineer, title professional, marina operator or other qualified professional when a purchasing decision requires individualized guidance.