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$520,000

Active Under Contract

397 Cartagena St, Punta Gorda, FL 33983

4 beds · 3 baths · 3,282 sq ft

Listing courtesy of NEW HOME STAR FLORIDA LLC · MLS# O6414078

0 days on market

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

About this home

What’s special

  • oversized corner homesite
  • 8-foot glass front door
  • 9-foot ceilings
  • flex room
  • spa-inspired bath
  • smart home technology
  • covered lanai
  • ceramic tile flooring

AI-selected highlights from the listing description below.

Under contract-accepting backup offers. Under Construction. Prepare to fall in love with the Livorno, a stunning showcase of style, comfort, and modern craftsmanship perfectly positioned on an oversized corner homesite in the sought-after Deep Creek community. Surrounded by lush landscapes and scenic streets, this peaceful setting captures the best of Southwest Florida living while providing the space and features today's homeowners desire. From the moment you arrive, the home's striking curb appeal stands out with stone accents, professional landscaping, irrigation, and an impressive 8-foot glass front door. Inside, soaring 9-foot ceilings, custom interior paint, crown molding, and stylish lever door hardware create an elegant backdrop that carries throughout the home. Just off the foyer, a versatile flex room provides endless possibilities as a home office, den, hobby space, or reading retreat. A formal dining room enhanced with LED lighting creates a warm and inviting setting for memorable dinners and celebrations. Nearby, a secondary bedroom and full bath are thoughtfully positioned to provide privacy and comfort for guests. The heart of the home is a beautifully designed open-concept living space where the kitchen, breakfast nook, and great room come together seamlessly. Granite countertops, solid wood soft-close cabinetry, a subway tile backsplash, stainless steel appliances, and a large center island create a space that is as functional as it is beautiful. Additional LED lighting brightens the great room, enhancing the home's airy and welcoming feel. Privately tucked away, the luxurious primary suite is designed for relaxation, featuring two walk-in closets, added LED lighting, and a spa-inspired bath with dual vanities and an oversized walk-in tile shower. Two additional bedrooms, each with walk-in closets, share a well-appointed full bath, creating comfortable accommodations throughout the home. A convenient pool bath door from the secondary bathroom adds flexibility for future outdoor living enhancements. Beautiful ceramic tile flooring extends throughout the entire home, delivering both durability and timeless style. Smart home technology adds everyday convenience with Deako smart switches, a Ring Video Doorbell, Smart Thermostat, and Keyless Entry Smart Door Lock. Sliding glass doors lead to an expansive covered lanai that invites you to enjoy Florida's year-round sunshine, whether hosting guests, unwinding after a long day, or simply taking in the peaceful surroundings. Backed by a full builder warranty, the Livorno delivers exceptional quality, upscale finishes, and an outstanding Deep Creek location in one unforgettable home.

Facts

Property type
Single Family Residence
Year built
2026
Bathrooms
3 full
Living area
3,282 sqft
Lot size
0.47 acres
Private pool
No
Exposure
East
Furnished
Unfurnished
Flood zone
X500
CDD
No
55+ community
No
Annual taxes
$1,644/yr
Monthly fees
$17/mo
Listed
Jun 4, 2026
MLS #
O6414078

Virtual tour

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 397 CARTAGENA 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 — 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 — 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 — your down payment is 20% or more.

Estimated total monthly payment

$3,217

$2,629 of that is principal & interest. 18% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$2,629
Property taxes
$137
Homeowners insurance
$433
Flood insurance
$0
HOA / condo fees
$17
Mortgage insurance (PMI)
$0
Total per month
$3,217

Over the life of the loan

Loan amount
$416,000
Down payment
$104,000
Total interest
$530,585
Principal + interest paid
$946,585
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 — 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 — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

397 Cartagena St, Punta Gorda, FL 33983

Listing courtesy of NEW HOME STAR FLORIDA LLC · MLS# O6414078 · Active Under Contract

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

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

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

Where this home is

Opens on aerial — 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, 8:22 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. · [email protected]