$499,000
Active432 Gallegos St, Punta Gorda, FL 33983
4 beds · 2 baths · 2,358 sq ft
Listing courtesy of RE/MAX HARBOR REALTY · MLS# C7531876
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Welcome to this beautifully maintained, custom-built 4-bedroom, 2-bathroom single-family home in the desirable Deep Creek community, situated on a double lot and offering an exceptional blend of comfort, style, and functionality. This thoughtfully updated home features high ceilings, tasteful décor, rounded stucco corners, and tile and luxury vinyl flooring throughout. The well-appointed kitchen boasts granite countertops and stainless steel appliances, complemented by new light fixtures, window treatments, an indoor laundry room, and ample storage throughout. Enjoy Florida living at its finest in your private backyard oasis, featuring a heated, pebble-finish swimming pool, a panoramic pool screen enclosure, and a relaxing Jacuzzi, all surrounded by mature, beautifully maintained landscaping. Additional highlights include a spacious 3-car garage with durable epoxy flooring, a horseshoe driveway, a ManaBloc manifold system with PEX piping throughout the home, hurricane accordion shutters, and a dedicated irrigation well to maintain the lush landscaping efficiently. Located in desirable non Flood Zone X, this property offers added peace of mind and convenient access to local amenities, restaurants, shopping, major highways, and the airport. This exceptional home combines quality construction, tasteful updates, generous space, and an ideal location, making it a wonderful opportunity to enjoy the best of Florida living.
Facts
- Property type
- Single Family Residence
- Year built
- 2003
- Living area
- 2,358 sqft
- Private pool
- Yes
- Exposure
- Southwest
- Furnished
- Negotiable
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $3,338/yr
- Monthly fees
- $35/mo
- Listed
- Oct 12, 2026
- MLS #
- C7531876
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 432 GALLEGOS 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
$3,252
$2,523 of that is principal & interest. 22% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,523
- Property taxes
- $278
- Homeowners insurance
- $416
- Flood insurance
- $0
- HOA / condo fees
- $35
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,252
Over the life of the loan
- Loan amount
- $399,200
- Down payment
- $99,800
- Total interest
- $509,158
- Principal + interest paid
- $908,358
- 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.
432 Gallegos St, Punta Gorda, FL 33983
Listing courtesy of RE/MAX HARBOR REALTY · MLS# C7531876 · 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.
