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Overview

4 bd2 ba2,260 sqft2 car garageSingle Family
TypeSingle Family
HOA$200/yr
Built2001
Lot9,599 sqft
Living area2,260 sqft
Price / sqft$172
Garage2 car

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

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboPrimary Bedroom Main FloorPrivate YardRain Gutters

122 Valdiva St is a 2001-built home in Punta Gorda Isles Sec 20, Punta Gorda. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,260 square feet of living space. Listed at $389,000 (about $172/sqft), 23 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $200 annually.

From the listing

Welcome home to Deep Creek, where a top-to-bottom renovation has already done the work for you. This true 4-bedroom home, spanning over 2,000 square feet, has been reimagined from the studs out and is ready for its next owner to simply move in and enjoy. A double-door entry opens into a foyer designed to impress, anchored by a striking tiled focus wall and crowned with a new chandelier. From there, soaring vaulted ceilings draw the eye upward through an open-concept living and dining space, while a thoughtful split floor plan keeps the primary suite privately tucked away from the secondary bedrooms. Brand new ceramic tile flows underfoot throughout the entire home, carrying seamlessly out to the tiled lanai for effortless indoor-outdoor living. At the heart of it all sits a fully reimagined kitchen built for gathering — an oversized island anchors the space, complemented by all-new appliances, a breakfast bar, pantry, and cozy nook that spills naturally into the family room. It's the kind of kitchen that turns cooking into entertaining. Retreat to the primary suite, where two walk-in closets and a spa-like en-suite await, complete with dual vanities and a large glass walk-in shower — plus storage that's simply unmatched, with so much space to spread out and stay organized. Every bedroom in the home offers its own walk-in closet, a rare touch that adds lasting value whether you're settling in or renting out. Beyond the interior, the details continue: a dedicated laundry room, a NEW HVAC system, , a NEW hot water heater, NEW soffits and rain gutters, and fresh paint both INTERIOR and EXTERIOR ... nothing has been overlooked. Step outside to a peaceful greenbelt view, framed by the quiet, well-kept charm of the family-oriented Deep Creek community. With low HOA fees and a location that puts you minutes from parks, trails, golf courses, boat ramps, Charlotte Harbor, Gulf beaches, shopping, and dining — plus quick access to I-75 — this is paired with a location that's hard to beat. Schedule your showing today; a home this move-in ready won't stay available for long.

The essentials

Built
2001
Price / sqft
$172
On market
23 days
Annual tax
$5,908
HOA
$200/yr
Flood zone
X · Low risk
Lot
9,599 sqft
Type
Single Family Residence

At a glance

Single family
Built 2001
2 car garage
9,599 sqft lot
Lot size
2,260 sqft
Living area

Payment

Est. monthly payment
$2,732/mo
Down payment (20%)
$77,800
Property taxes
$492/mo
HOA
$200/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2001
Lot
9,599 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
23
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Private Yard
Rain Gutters
Deed Restrictions
Built-in Oven
Dishwasher
Disposal
Dryer
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.

Flood Zone X
Annual Tax (2025)
$5,908
Parcel #
402304110008

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
9,599 sqft
Landscaped
HOA
$200/yr
Deep Creek Section 20 HOA

Price history

Date
Event
Price
9/17/2026
Listed for sale
Source: Stellar MLS #N6145593
$389,000
$172/sqft

Neighborhood

122 Valdiva St
Punta Gorda, FL, 33983 · 33983 - Punta Gorda

Market insights

Offer Insights

Choose an offer strength

List price: $389,000
$377,500 – $389,000
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 23.

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
$2,732/mo
Principal & interest$2,029
Property taxes$492
Insurance$195
HOA$17
Down payment20% · $77,800
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

$389,000

$172 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,260 sq ft

Time on market

23 days

Year built

2001

Monthly payment

About $2,732/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,908 annual tax bill, insurance, and the $200/yr HOA fee.

HOA fee

$200/yr

Managed by Deep Creek Section 20 HOA.

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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Brokered byKELLER WILLIAMS ISLAND LIFE REAL ESTATEListing agent: Allyson ZweifelListing data from Stellar MLS, MLS# N6145593.

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