26186 NORTHERN CROSS RD, #2A, Punta Gorda, FL, 33983 | $198,800

PRICE IMPROVEMENT!!!!Nestled privately in the sought-after community of Deep Creek, this charming 1289 Sq ft villa offers an effortless blend of coziness and convenience. The property, located at 26186 Northern Cross Rd, exudes inherent tranquility, while being a just 15-minute ride away from the active downtown Punta Gorda. Featuring 2 well-sized bedrooms and 2 spacious bathrooms, the property is perfectly designed to cater to small families, couples, or savvy investors looking for optimal rental potential. The villa also comes with a one-car attached garage that offers additional storage space for a well-organized lifestyle. The pet-friendly villa showcases a carefully maintained green backyard that adds a refreshing touch of nature to your everyday living. This home grants you peace of mind with hurricane protection and a desirable location outside flood zones. Strategically positioned in close proximity to I-75, the villa provides effortless commuting options, both North and South. It's only a stone's throw from the Deep Creek Golf Course for lovers of the green and gives easy access to local boat ramps that open up the way to the serene Peace River and picturesque Charlotte Harbor. Punta Gorda is known for its warm climate, and the well-loved community of Deep Creek enhances this charm with its family-centric atmosphere, while Charlotte Harbor offers stellar waterfront vistas and world-class fishing opportunities. All of these conveniences, coupled with a low HOA of $400/month, make this villa an irresistible home-buying prospect.
Experience the perfect blend of peace, privacy, and prime location. Don’t miss this unique opportunity to own your dream villa at a great price. Contact us today to schedule a private showing, or for more information. All dimensions and specifications are deemed to be accurate and should be confirmed to the buyer or buyer's agent's satisfaction

Features

  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside
  • Year Built: 1988
  • Garage: 1-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,289
  • Est. Taxes: $3,169
  • Condo Fee: $400 Monthly
  • Elem. School: Deep Creek Elementary
  • Middle School: Punta Gorda Middle
  • High School: Charlotte High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: C7512336
  • Days on Market: 227 days
  • Website: https://www.raveis.com
    /prop/C7512336/26186northerncrossrd_puntagorda_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/9/2026 11:39:49 PM)
Listing courtesy of FIVE STAR REALTY OF CHARLOTTE   Phone: 941-637-6116

William Raveis Family of Services

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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26186 NORTHERN CROSS RD, #2A, Punta Gorda, FL, 33983

$198,800

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $159,040 $159,040 $159,040
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.258% 6.304% 5.628%
Monthly Tax Payment $264 $264 $264
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $916 $966 $1,289
Total Monthly Payment $1,255 $1,305 $1,628

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.