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Waterview Pool Home in Deep Creek - 27099 Ecuador Dr. Punta Gorda, FL 33983, located on a quiet cul-de-sac in the highly sought-after Deep Creek community of Punta Gorda. This upgraded 3-bedroom, 2. 5-bathroom, 3 CAR garage pool home with a dedicated DEN delivers the features today’s Southwest Florida buyers prioritize: HURRICANE PROTECTION, partially fenced yard, water view, major system updates, and modern interior finishes. Overlooking a serene freshwater creek, this move-in ready residence offers a split-bedroom floor plan with expansive living areas designed for both everyday comfort and entertaining. NEW LUXURY FLOORING flows seamlessly throughout the home, complemented by FRESH INTERIOR and EXTERIOR PAINT completed in 2025, creating a crisp, contemporary aesthetic. A NEW FRONT DOOR enhances curb appeal while adding to the home’s updated exterior presence. The kitchen is equipped with newer appliances and opens to the main living space, providing an ideal layout for gatherings. The dedicated DEN offers flexibility for a home office, media room, or additional guest space—an increasingly valuable feature for remote work and seasonal residents. The primary suite serves as a private retreat with a CUSTOM DESIGNED MASTER CLOSET that maximizes storage and organization. Two additional bedrooms and a full bath provide comfortable accommodations, while the HALF BATHROOM IN GARAGE offers convenience. Significant capital improvements provide long-term value and peace of mind, including a NEW AIR CONDITION system installed in 2025 and a solar panel system added in 2024 to improve energy efficiency and reduce utility costs. The GARAGE IS FULLY AIR CONDITIONED and has been upgraded with a durable EPOXY-FLOORING for a clean, polished finish. Outdoor living is the focal point of this property. The screened lanai showcases a private pool that was resurfaced and retiled in 2026, creating a fresh, modern look. NEW POOL EQUIPMENT was replaced in 2022 and includes an IAQUA AUTOMATION SYSTEM for streamlined maintenance and remote management. The tranquil water view enhances the outdoor setting without the higher insurance and maintenance considerations often associated with Gulf-access properties. Deep Creek remains one of Punta Gorda’s most searched deed-restricted communities, known for public utilities, sidewalks, low POA fees, and convenient access to I-75, golf courses, shopping, dining, and medical facilities. Buyers actively searching for Punta Gorda pool homes, Deep Creek waterfront properties, energy-efficient homes in Charlotte County, and updated Florida residences with solar panels will recognize the value offered at 27099 Ecuador Drive. This is a high-demand waterview pool home in Punta Gorda with extensive upgrades already completed, positioned for both seasonal enjoyment and year-round living. NO FLOOD INSURANCE REQUIRED!
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NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $420,000 | $420,000 | $420,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.875% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.112% | 6.520% | 5.415% |
| Monthly Tax Payment | $632 | $632 | $632 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,319 | $2,484 | $3,349 |
| Total Monthly Payment | $3,043 | $3,208 | $4,073 |
* 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.