640 ENCARNACION STREET, PUNTA GORDA, FL, 33983
Active80 days on marketListed May 20, 2026MLS #C7526039
Come see it
Upcoming open house
Sat, Aug 8
11:00 AM – 2:00 PM
About this home
640 ENCARNACION STREET
One or more photo(s) has been virtually staged. DISCOVER YOUR private DREAM HOME in SOUGHT AFTER Deep Creek with a brand new price! This STUNNING 2021 BUILT 3/2/3 featuring a versatile DEN/FLEX/4th bedroom estate offers over 2,000 SQ. FT. of luxurious living space on a TRANQUIL OVERSIZED CORNER LOT backing 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 ( bring your toys), oversized laundry room with extra storage.Located in a peaceful DEED RESTRICTED COMMUNITY with LOW HOA FEES and NO FLOOD ZONE concerns, just minutes from dining, entertainment, pristine beaches, Sunseeker Resort, downtown Punta Gorda, I 75, and Punta Gorda Airport.DON’T LET THIS ONE SLIP AWAY ****PRIVACY plus a whole lot more with all the bells and whistles.**** Schedule your private showing TODAY and start living the Florida lifestyle you deserve!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,066
Sqft
0.25 ac
Lot size
2
Garage
2021
Year built
One
Levels
$178
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,925 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,925/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.5%
$/sqft vs PUNTA GORDA ISLES SEC 20
$178 vs $183
Days on market
80 vs 61 typical
Where $178/sqft sits among the 41 homes for sale in PUNTA GORDA ISLES SEC 20
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Deep Creek
Get to know Punta Gorda. See the full Punta Gorda guide →
Deep Creek — neighborhood snapshot
Population
13,000
Median age
55
Median income
$70,043
Median home value
$306,257
Avg household
2
Households w/ children
1,092
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$345K → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
20 of 41
PUNTA GORDA ISLES SEC 20 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 333% above the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 640 ENCARNACION STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$350,000
150 CASTILE COURT · same community
3 bd · 2 ba · 2,068 sqft · $169/sqft · 156 DOM
Sold · Apr ’26$465,000
25541 AREQUIPA DRIVE · same community
3 bd · 2 ba · 2,091 sqft · $222/sqft · 56 DOM
Sold · May ’26$207,000
401 MALPELO AVENUE · same community
4 bd · 3 ba · 2,110 sqft · $98/sqft · 10 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 640 ENCARNACION STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 ENCARNACION STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
640 ENCARNACION STREET FAQs
What would the monthly payment be for 640 ENCARNACION STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,925/mo — principal and interest, the actual property-tax bill, the $17/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 640 ENCARNACION STREET?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 640 ENCARNACION STREET?+
The most recent tax bill on record (2025) was $5,021. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 640 ENCARNACION STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Punta Gorda?+
At $368,000, this home is listed about 8% above the Punta Gorda median of $339,900. The market section on this page shows how the area is trending.
Which schools are assigned to 640 ENCARNACION STREET?+
Deep Creek Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$368,000 runs 333% above the PUNTA GORDA 33983 median — but at 2,066 sqft it's also 23% larger than the typical Punta Gorda listing.
02Park/Greenbelt & Trees/Woods views
The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Deep Creek Elementary School, Punta Gorda Middle School, Charlotte High School — Deep Creek Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $399,000, now $368,000 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Nick Demers. MLS #C7526039.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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