640 Encarnacion St, photo 1
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Overview

4 bd2 ba2,066 sqft3 car garageSingle Family
TypeSingle Family
HOA$200/yr
Built2021
Lot11,025 sqft
Living area2,066 sqft
Price / sqft$175
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Crown MoldingHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSmart HomeSplit Bedroom

640 Encarnacion St is a 2021-built home in Punta Gorda Isles Sec 20, Punta Gorda. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,066 square feet of living space. Listed at $361,000 (about $175/sqft), 142 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $200 annually.

From the listing

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!

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The essentials

Built
2021
Price / sqft
$175
On market
143 days
Annual tax
$5,021
HOA
$200/yr
Flood zone
X · Low risk
Lot
11,025 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
3 car garage
Driveway
0.25 acres
Lot size
2,066 sqft
Living area

Payment

Est. monthly payment
$2,499/mo
Down payment (20%)
$72,200
Property taxes
$418/mo
HOA
$200/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
11,025 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Golf Cart Garage, Guest, Open, Oversized
Days on Market
143
Ceiling Fans(s)
Crown Molding
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Smart Home
Split Bedroom
Stone Counters
Thermostat
Tray Ceiling(s)
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Dog Run
Hurricane Shutters
Private Yard
Rain Gutters
Deed Restrictions
Golf
Park
Playground
Sidewalks
Street Lights
Built-in Oven
Cooktop
Dishwasher
Electric Water Heater
Exhaust Fan
Ice Maker
Kitchen Reverse Osmosis System
Microwave
Range
Refrigerator
Elementary
Deep Creek Elementary
Middle
Punta Gorda Middle
High
Charlotte High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,021
Parcel #
402303358001

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Punta Gorda Isles Sec 20
County
Charlotte
MLS Area
33983 - Punta Gorda
Lot Size
11,025 sqft
Corner LotNear Golf CourseOversized LotPaved
HOA
$200/yr
Deb Barett

Price history

Date
Event
Price
10/9/2026
Price change
Source: Stellar MLS #C7526039
$361,000-0.3%
$175/sqft
-
Price change
Source: Stellar MLS #C7526039
$362,000-9.3%
$175/sqft
5/20/2026
Listed for sale
Source: Stellar MLS #C7526039
$399,000
$193/sqft

Neighborhood

640 Encarnacion St
Punta Gorda, FL, 33983 · 33983 - Punta Gorda

Market insights

Offer Insights

Choose an offer strength

List price: $361,000
$350,000 – $361,000
97.1% – 100% of listTops out right at the list price
80% of listList price
91 of the last 180 home closings in 33983 landed at this number or higher (51%). The median one sat 47 days before it went under contract, and this one is on day 143 after a $38,000 cut.

Sample: 180 closed home sales in 33983 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,498/mo
Principal & interest$1,883
Property taxes$418
Insurance$181
HOA$17
Down payment20% · $72,200
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$361,000

$175 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,066 sq ft

Time on market

143 days

Year built

2021

Monthly payment

About $2,499/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,021 annual tax bill, insurance, and the $200/yr HOA fee.

HOA fee

$200/yr

Managed by Deb Barett.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byRE/MAX PALM REALTYListing agent: Nick DemersListing data from Stellar MLS, MLS# C7526039.

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