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Active - House for sale

640 ENCARNACION STREET, Punta Gorda, FL

4 bds|2 bth|2,066 sqft

Facts & features

House Property type
178 days on Beycome
2021 Year built
$175 Price/Sqft.
3 car garage Parking
$200/yr HOA
11,025 sqft Lot size

Why you’ll love it

One or more photo(s) has been virtually staged. Virtually staged *** BRAND NEW PRICE*** Check out this STUNNING 2021 BUILT 3 bedroom /2 Bath/ with large 3 CAR GARAGE featuring an additional versatile DEN/FLEX/4th bedroom! RELAX in STYLE...This incredible estate offers over 2,000 SQ. FT. of luxurious living space on a TRANQUIL OVERSIZED CORNER LOT plus a LOW HOMEOWNER's INSURANCE COST ( no Flood zone) for this awesome home in prestigious deed restricted community of Deep Creek backing up to a SERENE GREENBELT. EYE CATCHING STONE ACCENTED EXTERIOR, mature landscaping, luxurious gingerbread trim, spacious L SHAPED SCREENED front lanai ENTRYWAY, and elegant leaded glass front door create CURB APPEAL THAT TRULY STANDS OUT. Inside, enjoy an OPEN SUNLIT FLOOR PLAN with large tile flooring, CROWN MOLDING, designer lighting, and sliding glass doors leading to a GRAND SCREENED back LANAI overlooking peacefully serene wooded views. Nicely FENCED SIDE YARD will be perfect for keeping your pets happy and safe with plenty of room to add a POOL, garden and unwind! The CHEF’S KITCHEN is crafted for entertaining or effortless everyday cooking with abundant RAISED PANEL CABINETRY, STAINLESS STEEL APPLIANCES, complimentary DESIGNER HARDWARE, a massive 12 FOOT BREAKFAST BAR, full WALK IN PANTRY, and cozy adjacent dinette. The spacious GREAT ROOM flows seamlessly for gatherings and everyday living with private patio access.Retreat to the zen like PRIMARY SUITE featuring a TRAY CEILING with crown molding and comforting ambient lighting with lavish ensuite bath. The SPA INSPIRED ENSUITE bath includes DUAL VANITIES, studio style makeup area, SEAMLESS GLASS SHOWER with dual shower heads, and a nice LARGE WALK IN CLOSET. Guest bedrooms are generously sized with stylish shared bath access. Additional upgrades that add extra value and convenience include IRRIGATION SYSTEM, WATER FILTRATION, GUTTERS, LARGE 3 CAR GARAGE (great for toys or storage), oversized laundry room with extra storage. Enjoy Peace of mind with this home that's never had any roof leaks, damage from storms and is all up to code! Located in a peaceful DEED RESTRICTED COMMUNITY with LOW HOA FEES and NO FLOOD ZONE concerns, just minutes from dining, entertainment, pristine beaches, SunSeekers' Resort, downtown Punta Gorda, I-75, and Punta Gorda Airport. Schedule your private showing TODAY and start living the Florida lifestyle you deserve!

Translating description...

Listings courtesy of RE/MAX PALM REALTY as distributed by MLS GRID.

Listed by: Nick Demers • NickSellsFlorida@yahoo.com • RE/MAX PALM REALTY

Co-listed by: Barbara Brooks • RE/MAX PALM REALTY

Source: Stellar MLS as distributed by MLS GRID, MLS#: C7526039 Stellar MLS as distributed by MLS GRID logo

Based on info available as of Nov 13, 2026 at 12:33 PM EST.

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Affordability

$235,000$485,000
1%20%
0%90%
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Estimated monthly payment

$2,261/mo

  • Mortgage$1,825
  • Property tax$418
  • HOA fee
  • Homeowners insurance
Due at closing$286,995
Down payment held in escrow$72,200
Closing costs$5,415
beycome credit Est.$7,220

Beycome estimates only. Actual amounts and terms vary by lender and location.

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$7,220 Credit back

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Travel times

About Punta Gorda Isles Sec 20

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This local overview has been generated by Artur AI, for informational purposes only. Please verify all details independently before relying on it.

Flood & climate risk

FEMA Flood Zone X

Outside the high-risk Special Flood Hazard Area — flood insurance is usually optional but still worth considering.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Based on information submitted to the MLS GRID as of Nov 13, 2026 at 12:33pm EST. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

$361,000 Listed price

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$7,220 Credit back

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