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For sale
  • PropertyExplore 3D tour
    • $399,000

    640 Encarnacion St, Port Charlotte, FL 33983

    3beds
    2,066sqft
    : Get pre-qualified
    Single Family Residence
    Built in 2021
    0.25 Acres Lot
    $386,000 Zestimate®
    $193/sqft
    $17/mo HOA

    What's special

    Charming gingerbread trimSophisticated crown moldingStylishly appointed bathroomDedicated makeup areaOpen sunlit floor planPedestal ge washerIrrigation system
    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!
    10 days
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    694
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    13
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    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listing Provided by:

    Nick Demers 941-585-3787,

    RE/MAX PALM REALTY 941-889-7654,

    Barbara Brooks 941-286-8669,

    RE/MAX PALM REALTY

    Source: Stellar MLS,MLS#: C7526039MLS LogoOriginating MLS: Port Charlotte

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Bonus Room, Den/Library/Office
      Primary bedroom
      • Features: Walk-In Closet(s)
      • Level: First
      • Area: 224 Square Feet
      • Dimensions: 16x14
      Bedroom 2
      • Features: Walk-In Closet(s)
      • Level: First
      • Area: 144 Square Feet
      • Dimensions: 12x12
      Bedroom 3
      • Features: Walk-In Closet(s)
      • Level: First
      • Area: 144 Square Feet
      • Dimensions: 12x12
      Primary bathroom
      • Level: First
      • Area: 110 Square Feet
      • Dimensions: 11x10
      Bathroom 2
      • Level: First
      • Area: 49.5 Square Feet
      • Dimensions: 9x5.5
      Balcony porch lanai
      • Level: First
      • Area: 203 Square Feet
      • Dimensions: 14.5x14
      Dinette
      • Level: First
      • Area: 99 Square Feet
      • Dimensions: 11x9
      Kitchen
      • Level: First
      • Area: 160 Square Feet
      • Dimensions: 16x10
      Laundry
      • Level: First
      • Area: 77 Square Feet
      • Dimensions: 11x7
      Living room
      • Level: First
      • Area: 442 Square Feet
      • Dimensions: 26x17
      Office
      • Level: First
      • Area: 175 Square Feet
      • Dimensions: 14x12.5
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Oven, Cooktop, Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Washer
      • Laundry: Inside
      Features
      • Ceiling Fan(s), Crown Molding, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Smart Home, Split Bedroom, Stone Counters, Thermostat, Tray Ceiling(s), Vaulted Ceiling(s), Walk-In Closet(s)
      • Flooring: Carpet, Porcelain Tile
      • Doors: Sliding Doors
      • Windows: Window Treatments, Hurricane Shutters, Hurricane Shutters/Windows
      • Has fireplace: No
      Interior area
      • Total structure area: 3,075
      • Total interior livable area: 2,066 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Driveway, Garage Door Opener, Golf Cart Garage, Guest, Open, Oversized
      • Attached garage spaces: 2
      • Has uncovered spaces: Yes
      • Details: Garage Dimensions: 29x20
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Covered, Front Porch, Rear Porch, Screened
      • Exterior features: Dog Run, Irrigation System, Private Yard, Rain Gutters
      • Fencing: Chain Link
      • Has view: Yes
      • View description: Park/Greenbelt, Trees/Woods
      Lot
      • Size: 0.25 Acres
      • Features: Corner Lot, Near Golf Course, Oversized Lot
      • Residential vegetation: Mature Landscaping
      Details
      • Additional structures: Kennel/Dog Run
      • Parcel number: 402303358001
      • Zoning: RSF3.5
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Florida
      • Property subtype: Single Family Residence
      Materials
      • Block, Stone, Stucco
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2021

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Connected, Electricity Connected, Fire Hydrant, Public, Street Lights

      Community & HOA

      Community
      • Features: Deed Restrictions, Golf, Park, Playground, Sidewalks
      • Pet fee: $0 monthly
      • Subdivision: PUNTA GORDA ISLES SEC 20
      HOA
      • Has HOA: Yes
      • HOA fee: $17 monthly
      • HOA name: Deb Barett
      • HOA phone: 941-627-6562
      Location
      • Region: Port Charlotte

      Financial & listing details

      • Price per square foot: $193/sqft
      • Tax assessed value: $413,710
      • Annual tax amount: $5,021
      • Date on market: 5/20/2026
      • Cumulative days on market: 197 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Paved
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        Estimated market value

        $386,000

        $367,000 - $405,000

        $2,046/mo

        Price history

        DateEventPrice
        5/20/2026Listed for sale$399,000$193/sqft
        Source: Stellar MLS #C7526039 Report a problem
        5/11/2026Listing removed$399,000$193/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        5/1/2026Price change$399,000-1.7%$193/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        4/27/2026Price change$405,9980%$197/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        4/8/2026Price change$405,999-2.4%$197/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        4/6/2026Price change$415,999-1%$201/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        3/23/2026Price change$419,9980%$203/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        3/8/2026Price change$419,999-1.2%$203/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        3/1/2026Price change$424,9940%$206/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        2/21/2026Price change$424,9950%$206/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        2/13/2026Price change$424,9960%$206/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        2/9/2026Price change$424,998+0%$206/sqft
        Source: Stellar MLS #A4670334 Report a problem
        2/9/2026Price change$424,9970%$206/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        2/4/2026Price change$424,9980%$206/sqft
        Source: Florida Gulf Coast MLS #2026002097 Report a problem
        1/9/2026Price change$424,999-4.5%$206/sqft
        Source: Stellar MLS #A4670334 Report a problem
        11/15/2025Price change$444,998-0.2%$215/sqft
        Source: Florida Gulf Coast MLS #2025007602 Report a problem
        10/16/2025Price change$445,9980%$216/sqft
        Source: Florida Gulf Coast MLS #2025007602 Report a problem
        10/13/2025Price change$445,9990%$216/sqft
        Source: Florida Gulf Coast MLS #2025007602 Report a problem
        9/11/2025Price change$446,000-0.2%$216/sqft
        Source: Florida Gulf Coast MLS #2025007602 Report a problem
        9/2/2025Listed for sale$447,000-1.1%$216/sqft
        Source: Florida Gulf Coast MLS #2025007602 Report a problem
        8/18/2025Listing removed$451,900$219/sqft
        Source: Stellar MLS #A4655821 Report a problem
        7/18/2025Listed for sale$451,900-3.6%$219/sqft
        Source: Stellar MLS #A4655821 Report a problem
        6/29/2025Listing removed$469,000$227/sqft
        Source: Stellar MLS #A4655821 Report a problem
        6/26/2025Price change$469,000-0.8%$227/sqft
        Source: Stellar MLS #A4655821 Report a problem
        6/20/2025Listed for sale$472,900+76.3%$229/sqft
        Source: Stellar MLS #A4655821 Report a problem
        5/19/2021Sold$268,200+1390%$130/sqft
        Source: Public Record Report a problem
        4/8/2020Sold$18,000+361.5%$9/sqft
        Source: Public Record Report a problem
        3/20/2019Sold$3,900$2/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$5,021 +2.4%$311,422 +2.9%
        2024$4,903 +0.4%$302,645 +3%
        2023$4,883 +5.8%$293,830 +3%
        2022$4,615 +722.5%$285,272 +1764.5%
        2021$561 +11.6%$15,300 +25%
        2020$503 +20.3%$12,240 +242.2%
        2019$418 +8.2%$3,577 +10%
        2018$386 $3,252 -58.6%
        2017$386 +4.2%$7,863 +192.6%
        2016$371 +0.3%$2,687 +10%
        2015$370 +7.6%$2,443 +10%
        2014$344 +882.4%$2,221 +16.1%
        2013$35 +7.6%$1,913 -18.2%
        2012$33 -17.4%$2,338
        2011$39 -36.3%$2,338 -35.3%
        2010$62 -27%$3,613 -32%
        2009$85 $5,313

        Find assessor info on the county website

        Monthly payment

        Est. payment

          Payment breakdown

          Explore the cost of this home by adjusting the details. Changes won't be saved.
          All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
          HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
          Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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          Climate risks

          Neighborhood: 33983

          Getting around

          2 / 100
          Car-Dependent
          31 / 100
          Somewhat Bikeable

          Nearby schools

          GreatSchools rating
          Schools provided by the listing agent
          • Elementary: Deep Creek Elementary
          • Middle: Punta Gorda Middle
          • High: Charlotte High

          Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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