$669,000
Active1036 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 listingβs 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 offerStarting 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
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.
More homes in Punta Gorda
Want an email when properties like this list?
New Punta Gorda properties with at least 6 bedrooms up to $840,000. Free, and you can stop any time.



