$389,000
Active122 Valdiva St, Punta Gorda, FL 33983
4 beds Β· 2 baths Β· 2,260 sq ft
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE Β· MLS# N6145593
34 days on market
Refreshed from the Stellar MLS feed . This listingβs MLS record last changed .
About this home
Welcome home to Deep Creek, where a top-to-bottom renovation has already done the work for you. This true 4-bedroom home, spanning over 2,000 square feet, has been reimagined from the studs out and is ready for its next owner to simply move in and enjoy. A double-door entry opens into a foyer designed to impress, anchored by a striking tiled focus wall and crowned with a new chandelier. From there, soaring vaulted ceilings draw the eye upward through an open-concept living and dining space, while a thoughtful split floor plan keeps the primary suite privately tucked away from the secondary bedrooms. Brand new ceramic tile flows underfoot throughout the entire home, carrying seamlessly out to the tiled lanai for effortless indoor-outdoor living. At the heart of it all sits a fully reimagined kitchen built for gathering β an oversized island anchors the space, complemented by all-new appliances, a breakfast bar, pantry, and cozy nook that spills naturally into the family room. It's the kind of kitchen that turns cooking into entertaining. Retreat to the primary suite, where two walk-in closets and a spa-like en-suite await, complete with dual vanities and a large glass walk-in shower β plus storage that's simply unmatched, with so much space to spread out and stay organized. Every bedroom in the home offers its own walk-in closet, a rare touch that adds lasting value whether you're settling in or renting out. Beyond the interior, the details continue: a dedicated laundry room, a NEW HVAC system, , a NEW hot water heater, NEW soffits and rain gutters, and fresh paint both INTERIOR and EXTERIOR ... nothing has been overlooked. Step outside to a peaceful greenbelt view, framed by the quiet, well-kept charm of the family-oriented Deep Creek community. With low HOA fees and a location that puts you minutes from parks, trails, golf courses, boat ramps, Charlotte Harbor, Gulf beaches, shopping, and dining β plus quick access to I-75 β this is paired with a location that's hard to beat. Schedule your showing today; a home this move-in ready won't stay available for long.
Facts
- Property type
- Single Family Residence
- Year built
- 2001
- Bathrooms
- 2 full
- Living area
- 2,260 sqft
- Lot size
- 0.22 acres
- Private pool
- No
- Exposure
- West
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $5,908/yr
- Monthly fees
- $17/mo
- Listed
- Sep 17, 2026
- MLS #
- N6145593
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting figures for 122 VALDIVA ST. 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
$2,800
$1,967 of that is principal & interest. 30% is taxes, insurance and fees β which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,967
- Property taxes
- $492
- Homeowners insurance
- $324
- Flood insurance
- $0
- HOA / condo fees
- $17
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,800
Over the life of the loan
- Loan amount
- $311,200
- Down payment
- $77,800
- Total interest
- $396,918
- Principal + interest paid
- $708,118
- 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.
122 Valdiva St, Punta Gorda, FL 33983
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE Β· MLS# N6145593 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.
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