$362,000
Active640 Encarnacion St, Punta Gorda, FL 33983
4 beds · 2 baths · 2,066 sq ft
Listing courtesy of RE/MAX PALM REALTY · MLS# C7526039
133 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Low homeowner's insurance cost
- Oversized corner lot
- Greenbelt backing
- Stone accented exterior
- L-shaped screened lanai
- Leaded glass front door
- Grand screened back lanai
- Fenced side yard
AI-selected highlights from the listing description below.
One or more photo(s) has been virtually staged. Virtually staged *** BRAND NEW PRICE*** Privacy PLUS with this STUNNING 2021 BUILT 3 bedroom /2 Bath/ with large 3 CAR GARAGE featuring an additional versatile DEN/FLEX/4th bedroom! RELAX in STYLE...This incredible estate offers over 2,000 SQ. FT. of luxurious living space on a TRANQUIL OVERSIZED CORNER LOT plus a LOW HOMEOWNER's INSURANCE COST ( no Flood zone) for this awesome home in prestigious deed restricted community of Deep Creek backing up to a SERENE GREENBELT. EYE CATCHING STONE ACCENTED EXTERIOR, mature landscaping, luxurious gingerbread trim, spacious L SHAPED SCREENED front lanai ENTRYWAY, and elegant leaded glass front door create CURB APPEAL THAT TRULY STANDS OUT. Inside, enjoy an OPEN SUNLIT FLOOR PLAN with large tile flooring, CROWN MOLDING, designer lighting, and sliding glass doors leading to a GRAND SCREENED back LANAI overlooking peacefully serene wooded views. Nicely FENCED SIDE YARD will be perfect for keeping your pets happy and safe with plenty of room to add a POOL, garden and unwind! The CHEF’S KITCHEN is crafted for entertaining or effortless everyday cooking with abundant RAISED PANEL CABINETRY, STAINLESS STEEL APPLIANCES, complimentary DESIGNER HARDWARE, a massive 12 FOOT BREAKFAST BAR, full WALK IN PANTRY, and cozy adjacent dinette. The spacious GREAT ROOM flows seamlessly for gatherings and everyday living with private patio access.Retreat to the zen like PRIMARY SUITE featuring a TRAY CEILING with crown molding and comforting ambient lighting with lavish ensuite bath. The SPA INSPIRED ENSUITE bath includes DUAL VANITIES, studio style makeup area, SEAMLESS GLASS SHOWER with dual shower heads, and a nice LARGE WALK IN CLOSET. Guest bedrooms are generously sized with stylish shared bath access. Additional upgrades that add extra value and convenience include IRRIGATION SYSTEM, WATER FILTRATION, GUTTERS, LARGE 3 CAR GARAGE (great for toys or storage), oversized laundry room with extra storage. Enjoy Peace of mind with this home that's never had any roof leaks, damage from storms and is all up to code! Located in a peaceful DEED RESTRICTED COMMUNITY with LOW HOA FEES and NO FLOOD ZONE concerns, just minutes from dining, entertainment, pristine beaches, SunSeekers' Resort, downtown Punta Gorda, I-75, and Punta Gorda Airport. Schedule your private showing TODAY and start living the Florida lifestyle you deserve!
Facts
- Property type
- Single Family Residence
- Year built
- 2021
- Living area
- 2,066 sqft
- Lot size
- 0.25 acres
- Private pool
- No
- Exposure
- East
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $5,021/yr
- Monthly fees
- $17/mo
- Listed
- 2026-05-20
- MLS #
- C7526039
Price & status history
- Listed for $399,000
- Price reduced to $362,000from $367,500
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 640 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
$2,568
$1,830 of that is principal & interest. 29% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,830
- Property taxes
- $418
- Homeowners insurance
- $302
- Flood insurance
- $0
- HOA / condo fees
- $17
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,568
Over the life of the loan
- Loan amount
- $289,600
- Down payment
- $72,400
- Total interest
- $369,369
- Principal + interest paid
- $658,969
- 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.
640 Encarnacion St, Punta Gorda, FL 33983
Listing courtesy of RE/MAX PALM REALTY · MLS# C7526039 · Active
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.
