$345,000
Pending545 Encarnacion St, Punta Gorda, FL 33983
3 beds · 2.5 baths · 3,248 sq ft
Listing courtesy of GENSTONE REALTY · MLS# C7525335
94 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- screened rear lanai
- fenced lot
- front porch
- Peace River proximity
- attached 2-car garage
AI-selected highlights from the listing description below.
PRICE ADJUSTMENT! Spacious two-story home located in the desirable Deep Creek community of Punta Gorda! Built in 2006 and offering over 3,300 square feet of living space, this 3-bedroom, 2.5-bath residence provides plenty of room for comfortable living and entertaining. The home features a welcoming front porch, generous interior living areas, and a screened rear lanai perfect for enjoying Florida’s outdoor lifestyle year-round. Situated on a .23-acre fenced lot, there is ample space for pets, play, or future outdoor enhancements. The attached 2-car garage adds convenience and additional storage. Ideally located near the scenic Peace River, shopping, dining, golf, parks, and all that Punta Gorda has to offer, this property combines space, comfort, and an excellent location in one exceptional opportunity. *Some photos are virtually staged
Facts
- Property type
- Single Family Residence
- Year built
- 2006
- Bathrooms
- 2 full, 1 half
- Living area
- 3,248 sqft
- Lot size
- 0.23 acres
- Private pool
- No
- Exposure
- South
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $5,751/yr
- Monthly fees
- $18/mo
- Listed
- Apr 24, 2026
- MLS #
- C7525335
Price & status history
- Listed for $375,000
- Price reduced to $345,000from $355,000
- Status changed to Active
- Status changed to Pending
Virtual tour
- Virtual tourrealty-media-360.aryeo.comView the virtual tour(opens realty-media-360.aryeo.com in a new tab)
Opens realty-media-360.aryeo.com in a new tab.
Tours are hosted by the seller’s chosen provider, not by Lasbury-Tracy Realty. Opening one loads content from that company and shares your IP address with them.
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 545 ENCARNACION 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
$2,529
$1,745 of that is principal & interest. 31% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,745
- Property taxes
- $479
- Homeowners insurance
- $288
- Flood insurance
- $0
- HOA / condo fees
- $18
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,529
Over the life of the loan
- Loan amount
- $276,000
- Down payment
- $69,000
- Total interest
- $352,023
- Principal + interest paid
- $628,023
- 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.
545 Encarnacion St, Punta Gorda, FL 33983
Listing courtesy of GENSTONE REALTY · MLS# C7525335 · Pending
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.
More homes in Punta Gorda
Want an email when homes like this list?
New Punta Gorda listings with at least 3 bedrooms up to $435,000. Free, and you can stop any time.
