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Overview

3 bd2 ba1,838 sqft2 car garageSingle Family
TypeSingle Family
HOA$590/yr
Built1991
Lot240,015 sqft
Living area1,838 sqft
Price / sqft$516
Garage2 car

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About this home

Ceiling Fans(s)High CeilingsLiving Room/Dining Room ComboPrimary Bedroom Main FloorStone CountersWalk-in Closet(s)Deed RestrictionsHorses Allowed

15500 Water Oak CT is a 1991-built home in Prairie Creek Park, Punta Gorda. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,838 square feet of living space. Listed at $949,000 (about $516/sqft), 20 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $590 annually.

From the listing

5.5 gated and fenced acres, room for horses, space for every toy, Prairie Creek along the rear, and a private pond where the day can end with a fishing pole in hand. This freshly remodeled Prairie Creek Park property combines country freedom with a beautifully updated home, all within easy reach of Punta Gorda. Set in one of Punta Gorda's established equestrian communities, the 1,838sqft home offers 3 bedrooms, 2 remodeled bathrooms, a 2023 roof, and a bright, open interior. A brick-paver patio creates an inviting approach before the home opens into a spacious living area with high ceilings and warm wood accents. The kitchen features quartz countertops, a sleek tile backsplash, recessed lighting, 2025 stainless steel appliances, and a breakfast bar open to the living area. A generous walk-in pantry/laundry room adds storage and function, while easy-care neutral tile flooring continues throughout the home. With wood-accented ceilings and abundant open space, the Florida room offers flexible use as an additional living room, recreation or game room, hobby area, or casual gathering space. The primary suite offers its own comfortable retreat with a remodeled en-suite bath featuring dual sinks and a walk-in closet, while two spacious guest bedrooms and a remodeled guest bath complete the interior. Outside, this 5+ acre Punta Gorda horse property truly separates itself. An approximately 1,800sqft steel building with electric and a roll-up door provides room for RVs, boats, cars, tractors, ATVs, equipment, workshop space, and more. Four newly built horse stalls and dog pens enhance the property's equestrian and animal-friendly appeal. A detached 864sqft garage with electric and double doors opens to an adjoining area currently used as a home gym with mini-split, creating additional hobby, recreation, or workspace possibilities. The blacktop driveway extends from the street to the garage and barn, ideal for sports cars. Additional storage includes a shed housing the well and pump equipment, a second pump shed to irrigate 2 acres, and a dedicated kayak shed with capacity for up to four kayaks. Newly added irrigation helps maintain the acreage. Prairie Creek runs along the rear, allowing you to launch kayaks right from home. A private pond with float switch system and newly built aluminum dock creates a peaceful spot for fishing and watching wildlife. Horse enthusiasts can enjoy approximately 22 miles of equestrian riding trails along Prairie Creek Park's scenic community greenbelts, allowing you to saddle up without trailering elsewhere before returning to your own fenced acreage, stalls, outbuildings, and wide-open surroundings. The home and buildings are in Flood Zone X, with concrete Hardie siding and concrete soffits on the house, garage, and both sheds. And when country quiet gives way to a night out, historic downtown Punta Gorda and I-75 are a short drive away. Enjoy waterfront dining, shopping and entertainment, stroll the Harborwalk along Charlotte Harbor, visit Fishermen's Village, or spend the afternoon exploring everything this Southwest Florida waterfront community has to offer. Whether your vision includes horses, kayaking, fishing, RV/hobby car/boat storage, a serious workshop, or simply five private acres with room to spread out, this Prairie Creek Park property offers the space, flexibility, and lifestyle to make it your own.

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The essentials

Built
1991
Price / sqft
$516
On market
30 days
Annual tax
$7,983
HOA
$590/yr
Flood zone
X · Low risk
Lot
240,015 sqft
Type
Single Family Residence

At a glance

Single family
Built 1991
Waterfront
Creek
2 car garage
Boat
5.51 acres
Lot size
1,838 sqft
Living area

Payment

Est. monthly payment
$6,138/mo
Down payment (20%)
$189,800
Property taxes
$665/mo
HOA
$590/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1991
Lot
240,015 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central, Electric
Parking
Boat, Circular Driveway, Driveway, Oversized, RV Garage
Waterfront
Creek
Days on Market
30
Ceiling Fans(s)
High Ceilings
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Stone Counters
Walk-in Closet(s)
Deed Restrictions
Horses Allowed
Dishwasher
Microwave
Range
Refrigerator
Elementary
East 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)
$7,983
Parcel #
402414301004

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
Prairie Creek Park
County
Charlotte
MLS Area
33982 - Punta Gorda
Lot Size
240,015 sqft
Oversized LotPrivateZoned for Horses
HOA
$590/yr
Palmer Property Management

Price history

Date
Event
Price
9/10/2026
Listed for sale
Source: Stellar MLS #C7530484
$949,000
$516/sqft

Neighborhood

15500 Water Oak CT
Punta Gorda, FL, 33982 · 33982 - Punta Gorda

Market insights

Offer Insights

Choose an offer strength

List price: $949,000
$925,000 – $949,000
97.4% – 100% of listTops out right at the list price
80% of listList price
70 of the last 138 home closings in 33982 landed at this number or higher (51%). The median one sat 47 days before it went under contract, and this one is on day 30.

Sample: 138 closed home sales in 33982 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$6,138/mo
Principal & interest$4,949
Property taxes$665
Insurance$475
HOA$49
Down payment20% · $189,800
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

$949,000

$516 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,838 sq ft

Time on market

30 days

Year built

1991

Monthly payment

About $6,138/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,983 annual tax bill, insurance, and the $590/yr HOA fee.

HOA fee

$590/yr

Managed by Palmer Property Management.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered byRE/MAX HARBOR REALTYListing agent: Bobbi BevisListing data from Stellar MLS, MLS# C7530484.

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