640 ENCARNACION STREET, Punta Gorda, FL, 33983 | $399,000

One or more photo(s) has been virtually staged. DISCOVER YOUR DREAM HOME in Deep Creek, a STUNNING 2021-built estate boasting over 2, 000 sq. ft. of luxurious living space nestled on a tranquil, OVERSIZED CORNER LOT backing to a SERENE GREENBELT. This exceptional 3-bedroom, 2-bathroom residence, with a versatile den/flex room/formal dining room perfect as a 4th bedroom or office, offers the extra privacy and space you've been waiting for. The eye-catching stone-accented façade, mature landscaping, charming gingerbread trim, uniquely spacious L-shaped screened entryway and an elegant leaded glass front door create an inviting curb appeal that TRULY STANDS OUT. Step inside to an open, sunlit floor plan featuring large tile floors throughout the main living areas, sophisticated crown molding, designer lighting, and seamless sliding doors that open to a grand back screened back lanai, privately wooded on a vast greenbelt. Breathe in refreshing cross breezes as you relax or entertain overlooking a lush wooded backyard with plenty of room for a pool and a fenced side yard perfect for pets or gardening. The chef’s kitchen is crafted for both everyday living and special gatherings, boasting raised panel cabinetry, stainless steel appliances, designer hardware, a generous 12-foot breakfast bar, walk-in pantry, and an adjacent dinette. The expansive great room flows effortlessly from the kitchen, creating an ideal space for entertaining family and friends. Retreat to your private primary suite, a true sanctuary featuring a tray ceiling with crown molding and ambient lighting. Pamper yourself in the spa inspired ensuite bathroom with dual vanities, a dedicated makeup area, seamless glass shower with dual shower heads, and a sizable walk in closet. Two additional guest bedrooms provide spacious closets and share a stylishly appointed bathroom. The flexible office, den, hobby room, or formal dining room situated just off the foyer invites you to personalize this space to fit your lifestyle needs. Additional conveniences include an irrigation system, water filtration, gutters, a large 3 CAR GARAGE perfect for your toys, a generously sized laundry room with extra storage, a pedestal GE washer, and a smart sensor dryer. Enjoy true Florida living in this peaceful, deed-restricted community with low yearly HOA fee and no flood zone concerns. Located close to dining, entertainment, pristine beaches, Sunseeker Resort, downtown historic Punta Gorda, I75, and Punta Gorda Airport, this home offers the perfect blend of tranquility and accessibility. DON'T LET THIS ONE SLIP AWAY , it's your chance to own an exquisite deed restricted Deep Creek retreat, priced to sell quickly. Schedule your private showing TODAY and start living the Florida lifestyle you deserve!

Features

  • Rooms: 11
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside
  • Style: Florida
  • Year Built: 2021
  • Garage: 2-car Driveway, Garage Door Opener, Golf Cart Garage, Guest, Open, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,066
  • Acreage: 0.25
  • Est. Taxes: $5,021
  • HOA Fee: $200 Annually
  • Lot Desc: Corner Lot, Near Golf Course, Oversized Lot
  • View: Park/Greenbelt, Trees/Woods
  • Elem. School: Deep Creek Elementary
  • Middle School: Punta Gorda Middle
  • High School: Charlotte High
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer
  • MLS#: C7526039
  • Days on Market: 10 days
  • Website: https://www.raveis.com
    /prop/C7526039/640encarnacionstreet_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 5/31/2026 7:17:07 PM)
Listing courtesy of RE/MAX PALM PCS   Phone: 941-889-7654

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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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

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
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

640 ENCARNACION STREET, Punta Gorda, FL, 33983

$399,000

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 $319,200 $319,200 $319,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $418 $418 $418
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,912 $1,991 $2,629
Total Monthly Payment $2,405 $2,484 $3,122

* 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.