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Overview

4 bd2 ba2,358 sqft3 car garageSingle Family
TypeSingle Family
HOA$420/yr
Built2003
Living area2,358 sqft
Price / sqft$212
Garage3 car

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

About this home

Built-in FeaturesEat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanStone CountersWalk-in Closet(s)Window Treatments

432 Gallegos St is a 2003-built home in Punta Gorda Isles Sec20, Punta Gorda. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,358 square feet of living space. Listed at $499,000 (about $212/sqft), 6 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $420 annually.

From the listing

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, new roof replaced in 2023, 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.

The essentials

Built
2003
Price / sqft
$212
On market
6 days
Annual tax
$3,338
HOA
$420/yr
Flood zone
X · Low risk
Type
Single Family Residence

At a glance

Single family
Built 2003
Private pool
Heated
3 car garage
Circular Driveway
2,358 sqft
Living area

Payment

Est. monthly payment
$3,165/mo
Down payment (20%)
$99,800
Property taxes
$278/mo
HOA
$420/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2003
Lot
-
Cooling
Central Air
Heating
Central, Electric
Parking
Circular Driveway, Garage Door Opener, Oversized
Pool
In Ground, Gunite, Heated, Lighting, Screen Enclosure
Days on Market
6
Built-in Features
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Stone Counters
Walk-in Closet(s)
Window Treatments
Hurricane Shutters
Rain Gutters
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
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)
$3,338
Parcel #
402303463002

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 Sec20
County
Charlotte
MLS Area
33983 - Punta Gorda
Lot Size
-
GreenbeltLandscapedOversized LotPaved
HOA
$420/yr
Deep Creek Section 20

Price history

Date
Event
Price
10/12/2026
Listed for sale
Source: Stellar MLS #C7531876
$499,000
$212/sqft

Neighborhood

432 Gallegos St
Punta Gorda, FL, 33983 · 33983 - Punta Gorda

Market insights

Offer Insights

Choose an offer strength

List price: $499,000
$485,000 – $499,000
97.1% – 100% of listTops out right at the list price
80% of listList price
94 of the last 184 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 6.

Sample: 184 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
$3,165/mo
Principal & interest$2,602
Property taxes$278
Insurance$250
HOA$35
Down payment20% · $99,800
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 includes any condo dues 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

$499,000

$212 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,358 sq ft

Time on market

6 days

Year built

2003

Monthly payment

About $3,165/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,338 annual tax bill, insurance, and the $420/yr HOA fee.

HOA fee

$420/yr

Managed by Deep Creek Section 20.

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 HARBOR REALTYListing agent: Anthony AntuonoListing data from Stellar MLS, MLS# C7531876.

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