185 SAN CRISTOBAL AVENUE, Punta Gorda, FL, 33983 | $409,000

Welcome to Deep Creek! This beautifully maintained 3-bedroom, 2-bath, 2-car garage home, built in 2019 by Adams Homes, is located in one of the area’s most desirable deed-restricted communities with county water and sewer and a low HOA of approximately $200 annually.
Step inside to an open, airy floor plan featuring high ceilings, abundant natural light, neutral finishes, and tile flooring throughout the entire home. The kitchen is designed for both function and style, offering granite countertops, stainless steel appliances, a breakfast bar, and a cozy dining nook. The spacious primary suite provides a relaxing retreat with a tray ceiling and a private ensuite bath complete with dual sinks, a garden tub, a tiled walk-in shower, and a generous walk-in closet. A barn door separates the guest wing, creating added privacy for the two additional bedrooms and full bath. Outdoor living truly sets this home apart. Enjoy a newly added 7, 500-gallon, gunite saltwater pool with a depth of up to 5 feet, all within an extended, oversized screened-in lanai—perfect for entertaining, relaxing, and enjoying Southwest Florida sunsets. Additional highlights include a newer roof, an indoor laundry room with extra cabinetry, added storage in the garage, hurricane protection, an irrigation system, and well-maintained landscaping. A welcoming covered front porch is the perfect spot to start your mornings. Ideally located near I-75, shopping, dining, parks, golf, boating, and just a short drive to historic downtown Punta Gorda with its vibrant events and waterfront charm. This home shows beautifully schedule your private showing today! All information is deemed reliable but not guaranteed. Buyer and Buyer agent to verify.

Features

  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Year Built: 2019
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,548
  • Acreage: 0.23
  • Est. Taxes: $5,421
  • HOA Fee: $125 Annually
  • Pool: In Ground
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Microwave, Range, Range Hood, Refrigerator
  • MLS#: A4686941
  • Days on Market: 48 days
  • Website: https://www.raveis.com
    /prop/A4686941/185sancristobalavenue_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 5/13/2026 4:32:16 PM)
Listing courtesy of FINE PROPERTIES   Phone: 941-782-0000

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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

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185 SAN CRISTOBAL AVENUE, Punta Gorda, FL, 33983

$409,000

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 $327,200 $327,200 $327,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.374% 6.524% 5.866%
Monthly Tax Payment $452 $452 $452
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,962 $2,041 $2,695
Total Monthly Payment $2,489 $2,568 $3,222

* 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.