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$669,000

Active

1036 San Cristobal Ave, Punta Gorda, FL 33983

6 beds Β· 4 baths Β· 3,314 sq ft

Listing courtesy of MARINA PARK REALTY LLC Β· MLS# C7531012

36 days on market

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

About this home

Virtually Staged. NEW DUPLEX IN THE DESIRABLE DEEP CREEK COMMUNITY OF PUNTA GORDA! OWNER FINANCING AVAILABLE! An excellent opportunity for investors, multi-generational living, or an owner-occupant looking to offset expenses with rental income, this newly constructed property features two residences, each offering 3 bedrooms, 2 bathrooms, approximately 1,687 square feet of living space, and an oversized 2-car garage. The attractive exterior showcases a clean, modern Florida design with coastal-inspired tones, stone accents, contemporary lighting, a durable metal roof, fresh tropical landscaping, wide concrete driveways, and separate covered entries. Inside, each residence features a thoughtfully designed split-bedroom floor plan with soaring ceilings, LED lighting, and tile flooring throughout. Solid block construction and impact-resistant windows and doors provide added peace of mind, while large windows bring abundant natural light into the open interior. The beautifully appointed kitchen overlooks the living and dining areas, creating an inviting setting for everyday living and entertaining. Highlights include granite countertops, white Shaker-style cabinetry with upper crown molding, under-cabinet lighting, stainless steel appliances, a coordinating tile backsplash, and a walk-in pantry. A large center island provides additional workspace and casual seating, complemented by pendant and recessed lighting. Additional built-in cabinetry just off the dining area offers convenient storage and serving space. Tray ceilings add architectural interest to the open living and dining areas, while sliding glass doors from the living room lead directly to a private 14' x 10' screened lanai. Overlooking the spacious backyard and peaceful greenbelt, the lanai provides a comfortable extension of the living space for outdoor dining, relaxing, or enjoying the Florida weather. The primary suite offers a private retreat with a tray ceiling, recessed lighting, tile flooring, and a large window for natural light. The ensuite bath features a dual-sink vanity with granite countertops, white Shaker-style cabinetry, modern hardware, an expansive mirror, decorative lighting, and a tall built-in storage cabinet. An oversized walk-in shower is finished with marble-look tile, a decorative mosaic tile floor, and a frameless glass enclosure. Positioned separately from the primary suite, two generously sized guest bedrooms feature built-in closets and share a full bath. The guest bath carries the same attractive design as the primary bath, with coordinating cabinetry, granite countertops, contemporary fixtures, and tiled finishes, creating a cohesive look throughout the home. Each residence also includes a spacious indoor laundry room, abundant storage, and separate utilities. The thoughtful design gives each side the comfort and functionality of an individual home while retaining the flexibility of a duplex. Live in one side and rent the other, accommodate extended family with separate living spaces, or lease both units for an income-producing investment opportunity. Located outside of a designated flood zone in Deep Creek, a deed-restricted community with a low annual HOA fee, the property offers convenient access to I-75, shopping, dining, medical facilities, parks, downtown Punta Gorda, golf, boating, and fishing, with Gulf Coast destinations, including Englewood Beach, within easy driving distance.

Facts

Property type
Duplex
Year built
2025
Living area
3,314 sqft
Lot size
0.46 acres
Private pool
No
Furnished
Unfurnished
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$1,051/yr
Monthly fees
$17/mo
Listed
Sep 22, 2026
MLS #
C7531012

Estimate the monthly payment

Estimate by Lasbury Tracy Realty β€” not a loan offer

Starting figures for 1036 SAN CRISTOBAL AVE. 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 β€” 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 β€” 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.

From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.

AssumptionNot applied β€” your down payment is 20% or more.

Estimated total monthly payment

$4,045

$3,383 of that is principal & interest. 16% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$3,383
Property taxes
$88
Homeowners insurance
$558
Flood insurance
$0
HOA / condo fees
$17
Mortgage insurance (PMI)
$0
Total per month
$4,045

Over the life of the loan

Loan amount
$535,200
Down payment
$133,800
Total interest
$682,618
Principal + interest paid
$1,217,818
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 β€” 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 β€” a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

1036 San Cristobal Ave, Punta Gorda, FL 33983

Listing courtesy of MARINA PARK REALTY LLC Β· MLS# C7531012 Β· Active

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

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

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

Where this home is

Opens on aerial β€” 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, 9:51 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. Β· [email protected]