10007 Winding River Rd · Punta Gorda, FL 33950

$245,000

4 bd · 2.0 ba · 1,950 sqft · SingleFamily public records · 43 Days on market

Built 2006 5,999 sqft lot Est $386k · 37% under $64/mo HOA · 3% of rent

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +12.3/30.0
• Schools +4.6/10.0
• 1% rule +4.3/10.0
• Livability +3.8/5.0
• DSCR +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the elegance of charming living in this beautiful 4 bedroom, 2 bathroom home located in the desirable community of Creekside. This nearly 2000 sq ft gem is truly a delight, featuring bamboo wood flooring in the living room, combined with a cozy dining area that invites you to sit down and savor a meal. The split bedroom floor plan allows for 3 bedrooms off the living room and a separate master suite, providing privacy and tranquility. The kitchen is a chef's dream, with its stainless steel appliances, granite countertops, and stunning tile backsplash. The kitchen seamlessly flows into the vast family room, creating the perfect space for family gatherings. The screened lanai opens to a wooded fenced backyard, offering a peaceful escape and plenty of room for outdoor activities. Creekside is surrounded by small lakes and ponds, providing ample opportunities for picnicking and great playgrounds. The community is conveniently located near the Punta Gorda Airport and I-75, making it easy for you to explore the area and all it has to offer. Don't miss out on the chance to own a piece of this charming paradise!

Key facts

• Mature oaks
• Fenced yard
• Walk-in closet

Tags

• GRANITE COUNTERS
• STAINLESS APPLIANCES
• WALK-IN CLOSET
• SCREENED LANAI
• FENCED YARD
• MATURE OAKS

Property features AI

Finance

• Other: Direction faces west; Living area and building area reported from public records; Lot approximately 0.14 acres
• Financial info: Total annual fees shown; Lease restrictions apply
• HOA & community: HOA (Star Hospitality - Sherry Danko) with quarterly and monthly fees; association fee required; Monthly HOA approximately $64.67; quarterly association fee noted; Association amenities include park and playground; deed restrictions and community mailbox; buyer approval required; Pets allowed: cats and dogs

Exterior

• Parking: Driveway; Garage door opener; Ground-level attached garage; 2-car garage
• Security: Hurricane shutters
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected; Cable available
• Home design: Single family residence; One story; West-facing; Completed condition
• Construction: Block and concrete construction; Shingle roof; Slab foundation; Built by KB HOME
• Exterior features: Covered front and rear porches; Screened porch; Hurricane shutters; Sliding doors; Sidewalks; Mature landscaping with oak trees; Cleared, landscaped and level lot; Paved, public maintained road

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator; Solid surface and stone counters; Eat-in kitchen
• Bedrooms: 4 bedrooms
• Flooring: Bamboo flooring; Tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Kitchen open to family room; Living room open to dining room; Solid surface counters; Stone counters; Split bedroom plan; Thermostat; Walk-in closets; Window treatments; Blinds
• Laundry & utility: Inside laundry room; Electric dryer hookup; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $245k.

Deal economics

• At list price, monthly cash flow is $-45 ($-545/yr) — negative.
• To cash-flow at today's rent, offer at most $237k (3.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $229k (6.5% below list).
• Recommended offer: $229k (6.5% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 2.8% in Punta Gorda — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 76/100 on livability (#225 in FL, #3,567 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, health & safety A+, housing B; Watch: cost of living D+, amenities D-, commute F.
• Charlotte (suburban): math 54% / reading 54% proficiency, ranked #22 of 73 in FL (top 30%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: East Elementary School (math 67% / reading 68%, grade B+, #435 of 2,144 statewide, top 21%, 761 students, 52% FRL); Punta Gorda Middle School (math 54% / reading 52%, grade C+, #209 of 571 statewide, top 37%, 1,120 students, 41% FRL); Charlotte High School (math 44% / reading 46%, grade D-, #228 of 667 statewide, top 35%, 1,994 students, 41% FRL).
• Market conditions: Rents soft (-0.1%/yr); 1004 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 36% of the median local income ($76k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Charlotte County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($238k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 20y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $229,051 (6.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 7% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.93% ✗
• Cap rate: 6.07%
• Cash-on-cash: -0.79%
• DSCR: 0.96
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $386,100
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10102 Winding River Rd	0.38mi	3/2.0 (-1)	1,920 (-2%)	2mo	$380,000	$198	73

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -21.3%
• Equity multiple: 0.28×
• Total profit: $-49,173
• Equity at exit: $36,530

10-year hold

• IRR: -25.3%
• Equity multiple: -0.05×
• Total profit: $-71,943
• Equity at exit: $21,183

Cash invested: $68,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33950

• Home prices YoY: -29.9%
• Rents YoY: -0.1%
• Active inventory: 1004
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $2,291 high
• Mortgage (P&I): −$1,285
• Tax from tax record: −$404 /mo · $4,849/yr
• Insurance: −$102
• HOA: −$64
• Vacancy / Maint / Mgmt: −$481
• Net cashflow: $-45

Break-even live

Break-even rent $2,348

Max offer price $236,973

Occupancy floor 97%

Sensitivity live

Price	-10% $93	-5% $24	+0% $-45	+5% $-115	+10% $-184
Rent	-10% $-226	-5% $-136	+0% $-45	+5% $45	+10% $136
Rate	-1.0pp $78	-0.5pp $17	base $-45	+0.5pp $-109	+1.0pp $-174

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $61,250
• Closing costs: $7,350
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9996 Spring Gulch Ln Punta Gorda, FL	4.0	2.0	1950	$1,895	$0.97	23d	1	0.10mi
9984 Spring Gulch Ln Punta Gorda, FL	3.0	2.0	1507	$1,849	$1.23	23d	1	0.14mi
9975 Bishop Creek Way Punta Gorda, FL	3.0	2.0	1899	$2,300	$1.21	23d	1	0.17mi
9489 Turtle Grass Cir Punta Gorda, FL	4.0	2.0	1828	$2,500	$1.37	15d	1	0.78mi
7361 S Plum Tree Punta Gorda, FL	3.0	2.0	1373	$1,900	$1.38	23d	1	1.06mi
26120 Jones Loop Rd Punta Gorda, FL	3.0	1.0–2.0	1105	$2,275	$2.06	15d	27	1.25mi

HOA detail

• Monthly dues: $64 · $768/yr
• Likely covers: landscaping

Listing history 41 events

1. 2026-06-22
   days on market $245,000 Active 43 DOM
2. 2026-06-18
   days on market $245,000 Active 40 DOM
3. 2026-06-17
   days on market $245,000 Active 39 DOM
4. 2026-06-16
   days on market $245,000 Active 38 DOM
5. 2026-06-15
   days on market $245,000 Active 37 DOM
6. 2026-06-14
   days on market $245,000 Active 35 DOM
7. 2026-06-13
   days on market $245,000 Active 34 DOM
8. 2026-06-10
   days on market $245,000 Active 32 DOM
9. 2026-06-09
   days on market $245,000 Active 31 DOM
10. 2026-06-08
    days on market $245,000 Active 30 DOM
11. 2026-06-07
    pricedays on market $245,000 Active 29 DOM
12. 2026-06-05
    days on market $260,000 Active 26 DOM
13. 2026-06-03
    days on market $260,000 Active 25 DOM
14. 2026-06-02
    days on market $260,000 Active 24 DOM
15. 2026-06-01
    days on market $260,000 Active 23 DOM
16. 2026-05-31
    days on market $260,000 Active 22 DOM
17. 2026-05-30
    days on market $260,000 Active 21 DOM
18. 2026-05-25
    status Active
19. 2026-05-25
    price $260,000
20. 2025-11-06
    status Pending
21. 2025-10-21
    listed $240,000 Active
22. 2023-07-27
    soldstatus $375,000
23. 2023-07-12
    soldstatus $375,000 Closed 1130-char remark

    Show marketing remark (1130 chars)

    Discover the elegance of charming living in this beautiful 4 bedroom, 2 bathroom home located in the desirable community of Creekside. This nearly 2000 sq ft gem is truly a delight, featuring bamboo wood flooring in the living room, combined with a cozy dining area that invites you to sit down and savor a meal. The split bedroom floor plan allows for 3 bedrooms off the living room and a separate master suite, providing privacy and tranquility. The kitchen is a chef's dream, with its stainless steel appliances, granite countertops, and stunning tile backsplash. The kitchen seamlessly flows into the vast family room, creating the perfect space for family gatherings. The screened lanai opens to a wooded fenced backyard, offering a peaceful escape and plenty of room for outdoor activities. Creekside is surrounded by small lakes and ponds, providing ample opportunities for picnicking and great playgrounds. The community is conveniently located near the Punta Gorda Airport and I-75, making it easy for you to explore the area and all it has to offer. Don't miss out on the chance to own a piece of this charming paradise!

24. 2023-05-07
    status Pending 1130-char remark

    Show marketing remark (1130 chars)

    Discover the elegance of charming living in this beautiful 4 bedroom, 2 bathroom home located in the desirable community of Creekside. This nearly 2000 sq ft gem is truly a delight, featuring bamboo wood flooring in the living room, combined with a cozy dining area that invites you to sit down and savor a meal. The split bedroom floor plan allows for 3 bedrooms off the living room and a separate master suite, providing privacy and tranquility. The kitchen is a chef's dream, with its stainless steel appliances, granite countertops, and stunning tile backsplash. The kitchen seamlessly flows into the vast family room, creating the perfect space for family gatherings. The screened lanai opens to a wooded fenced backyard, offering a peaceful escape and plenty of room for outdoor activities. Creekside is surrounded by small lakes and ponds, providing ample opportunities for picnicking and great playgrounds. The community is conveniently located near the Punta Gorda Airport and I-75, making it easy for you to explore the area and all it has to offer. Don't miss out on the chance to own a piece of this charming paradise!

25. 2023-05-02
    price $379,900 1130-char remark

    Show marketing remark (1130 chars)

    Discover the elegance of charming living in this beautiful 4 bedroom, 2 bathroom home located in the desirable community of Creekside. This nearly 2000 sq ft gem is truly a delight, featuring bamboo wood flooring in the living room, combined with a cozy dining area that invites you to sit down and savor a meal. The split bedroom floor plan allows for 3 bedrooms off the living room and a separate master suite, providing privacy and tranquility. The kitchen is a chef's dream, with its stainless steel appliances, granite countertops, and stunning tile backsplash. The kitchen seamlessly flows into the vast family room, creating the perfect space for family gatherings. The screened lanai opens to a wooded fenced backyard, offering a peaceful escape and plenty of room for outdoor activities. Creekside is surrounded by small lakes and ponds, providing ample opportunities for picnicking and great playgrounds. The community is conveniently located near the Punta Gorda Airport and I-75, making it easy for you to explore the area and all it has to offer. Don't miss out on the chance to own a piece of this charming paradise!

26. 2023-03-23
    price $384,900 1130-char remark

    Show marketing remark (1130 chars)

    Discover the elegance of charming living in this beautiful 4 bedroom, 2 bathroom home located in the desirable community of Creekside. This nearly 2000 sq ft gem is truly a delight, featuring bamboo wood flooring in the living room, combined with a cozy dining area that invites you to sit down and savor a meal. The split bedroom floor plan allows for 3 bedrooms off the living room and a separate master suite, providing privacy and tranquility. The kitchen is a chef's dream, with its stainless steel appliances, granite countertops, and stunning tile backsplash. The kitchen seamlessly flows into the vast family room, creating the perfect space for family gatherings. The screened lanai opens to a wooded fenced backyard, offering a peaceful escape and plenty of room for outdoor activities. Creekside is surrounded by small lakes and ponds, providing ample opportunities for picnicking and great playgrounds. The community is conveniently located near the Punta Gorda Airport and I-75, making it easy for you to explore the area and all it has to offer. Don't miss out on the chance to own a piece of this charming paradise!

27. 2023-01-26
    listed $389,900 Active 1130-char remark

    Show marketing remark (1130 chars)

    Discover the elegance of charming living in this beautiful 4 bedroom, 2 bathroom home located in the desirable community of Creekside. This nearly 2000 sq ft gem is truly a delight, featuring bamboo wood flooring in the living room, combined with a cozy dining area that invites you to sit down and savor a meal. The split bedroom floor plan allows for 3 bedrooms off the living room and a separate master suite, providing privacy and tranquility. The kitchen is a chef's dream, with its stainless steel appliances, granite countertops, and stunning tile backsplash. The kitchen seamlessly flows into the vast family room, creating the perfect space for family gatherings. The screened lanai opens to a wooded fenced backyard, offering a peaceful escape and plenty of room for outdoor activities. Creekside is surrounded by small lakes and ponds, providing ample opportunities for picnicking and great playgrounds. The community is conveniently located near the Punta Gorda Airport and I-75, making it easy for you to explore the area and all it has to offer. Don't miss out on the chance to own a piece of this charming paradise!

28. 2016-06-01
    soldstatus $205,000
29. 2016-05-31
    soldstatus $205,000 Sold 1234-char remark

    Show marketing remark (1234 chars)

    * * * $10,000 PRICE REDUCTION * * * This light and bright 4/2/2 Creekside home is impeccably remodeled and loaded with features. Pass thru the front entry into the living room and you're greeted with towering ceilings lined with crown molding, beautifully cased windows and gorgeous bamboo flooring. The Kitchen has wood cabinets, tile backsplash, stainless steel appliances, granite counters with a breakfast bar, recessed lights, and new tile floors. The spacious family room with custom built-ins offers direct access to the screened lanai and plenty of room for furnishings. Owners will appreciate a beautiful master suite including a walk in closet, walk in shower, double vanities and new tile floor. A convenient laundry room & second bath are perfectly situated between the three secondary bedrooms. Additional features include ceiling fans, fresh paint, blinds, brand new flooring throughout, new appliances, screened enclosed lanai and fenced yard. A quaint walking trail just beyond the back yard leads to a small park with jungle gym and slide for playtime. This home is just minutes from Charlotte Harbor & Fishermen’s village; commuter friendly, close to I-75, shopping and the Punta Gorda Airport.

30. 2016-04-28
    status Pending 1234-char remark

    Show marketing remark (1234 chars)

    * * * $10,000 PRICE REDUCTION * * * This light and bright 4/2/2 Creekside home is impeccably remodeled and loaded with features. Pass thru the front entry into the living room and you're greeted with towering ceilings lined with crown molding, beautifully cased windows and gorgeous bamboo flooring. The Kitchen has wood cabinets, tile backsplash, stainless steel appliances, granite counters with a breakfast bar, recessed lights, and new tile floors. The spacious family room with custom built-ins offers direct access to the screened lanai and plenty of room for furnishings. Owners will appreciate a beautiful master suite including a walk in closet, walk in shower, double vanities and new tile floor. A convenient laundry room & second bath are perfectly situated between the three secondary bedrooms. Additional features include ceiling fans, fresh paint, blinds, brand new flooring throughout, new appliances, screened enclosed lanai and fenced yard. A quaint walking trail just beyond the back yard leads to a small park with jungle gym and slide for playtime. This home is just minutes from Charlotte Harbor & Fishermen’s village; commuter friendly, close to I-75, shopping and the Punta Gorda Airport.

31. 2016-03-29
    price $219,900 1234-char remark

    Show marketing remark (1234 chars)

    * * * $10,000 PRICE REDUCTION * * * This light and bright 4/2/2 Creekside home is impeccably remodeled and loaded with features. Pass thru the front entry into the living room and you're greeted with towering ceilings lined with crown molding, beautifully cased windows and gorgeous bamboo flooring. The Kitchen has wood cabinets, tile backsplash, stainless steel appliances, granite counters with a breakfast bar, recessed lights, and new tile floors. The spacious family room with custom built-ins offers direct access to the screened lanai and plenty of room for furnishings. Owners will appreciate a beautiful master suite including a walk in closet, walk in shower, double vanities and new tile floor. A convenient laundry room & second bath are perfectly situated between the three secondary bedrooms. Additional features include ceiling fans, fresh paint, blinds, brand new flooring throughout, new appliances, screened enclosed lanai and fenced yard. A quaint walking trail just beyond the back yard leads to a small park with jungle gym and slide for playtime. This home is just minutes from Charlotte Harbor & Fishermen’s village; commuter friendly, close to I-75, shopping and the Punta Gorda Airport.

32. 2016-03-29
    price $119,900 1234-char remark

    Show marketing remark (1234 chars)

    * * * $10,000 PRICE REDUCTION * * * This light and bright 4/2/2 Creekside home is impeccably remodeled and loaded with features. Pass thru the front entry into the living room and you're greeted with towering ceilings lined with crown molding, beautifully cased windows and gorgeous bamboo flooring. The Kitchen has wood cabinets, tile backsplash, stainless steel appliances, granite counters with a breakfast bar, recessed lights, and new tile floors. The spacious family room with custom built-ins offers direct access to the screened lanai and plenty of room for furnishings. Owners will appreciate a beautiful master suite including a walk in closet, walk in shower, double vanities and new tile floor. A convenient laundry room & second bath are perfectly situated between the three secondary bedrooms. Additional features include ceiling fans, fresh paint, blinds, brand new flooring throughout, new appliances, screened enclosed lanai and fenced yard. A quaint walking trail just beyond the back yard leads to a small park with jungle gym and slide for playtime. This home is just minutes from Charlotte Harbor & Fishermen’s village; commuter friendly, close to I-75, shopping and the Punta Gorda Airport.

33. 2016-03-12
    status Active 1234-char remark

    Show marketing remark (1234 chars)

    * * * $10,000 PRICE REDUCTION * * * This light and bright 4/2/2 Creekside home is impeccably remodeled and loaded with features. Pass thru the front entry into the living room and you're greeted with towering ceilings lined with crown molding, beautifully cased windows and gorgeous bamboo flooring. The Kitchen has wood cabinets, tile backsplash, stainless steel appliances, granite counters with a breakfast bar, recessed lights, and new tile floors. The spacious family room with custom built-ins offers direct access to the screened lanai and plenty of room for furnishings. Owners will appreciate a beautiful master suite including a walk in closet, walk in shower, double vanities and new tile floor. A convenient laundry room & second bath are perfectly situated between the three secondary bedrooms. Additional features include ceiling fans, fresh paint, blinds, brand new flooring throughout, new appliances, screened enclosed lanai and fenced yard. A quaint walking trail just beyond the back yard leads to a small park with jungle gym and slide for playtime. This home is just minutes from Charlotte Harbor & Fishermen’s village; commuter friendly, close to I-75, shopping and the Punta Gorda Airport.

34. 2016-03-09
    historical 1234-char remark

    Show marketing remark (1234 chars)

    * * * $10,000 PRICE REDUCTION * * * This light and bright 4/2/2 Creekside home is impeccably remodeled and loaded with features. Pass thru the front entry into the living room and you're greeted with towering ceilings lined with crown molding, beautifully cased windows and gorgeous bamboo flooring. The Kitchen has wood cabinets, tile backsplash, stainless steel appliances, granite counters with a breakfast bar, recessed lights, and new tile floors. The spacious family room with custom built-ins offers direct access to the screened lanai and plenty of room for furnishings. Owners will appreciate a beautiful master suite including a walk in closet, walk in shower, double vanities and new tile floor. A convenient laundry room & second bath are perfectly situated between the three secondary bedrooms. Additional features include ceiling fans, fresh paint, blinds, brand new flooring throughout, new appliances, screened enclosed lanai and fenced yard. A quaint walking trail just beyond the back yard leads to a small park with jungle gym and slide for playtime. This home is just minutes from Charlotte Harbor & Fishermen’s village; commuter friendly, close to I-75, shopping and the Punta Gorda Airport.

35. 2016-03-04
    price $224,900 1234-char remark

    Show marketing remark (1234 chars)

    * * * $10,000 PRICE REDUCTION * * * This light and bright 4/2/2 Creekside home is impeccably remodeled and loaded with features. Pass thru the front entry into the living room and you're greeted with towering ceilings lined with crown molding, beautifully cased windows and gorgeous bamboo flooring. The Kitchen has wood cabinets, tile backsplash, stainless steel appliances, granite counters with a breakfast bar, recessed lights, and new tile floors. The spacious family room with custom built-ins offers direct access to the screened lanai and plenty of room for furnishings. Owners will appreciate a beautiful master suite including a walk in closet, walk in shower, double vanities and new tile floor. A convenient laundry room & second bath are perfectly situated between the three secondary bedrooms. Additional features include ceiling fans, fresh paint, blinds, brand new flooring throughout, new appliances, screened enclosed lanai and fenced yard. A quaint walking trail just beyond the back yard leads to a small park with jungle gym and slide for playtime. This home is just minutes from Charlotte Harbor & Fishermen’s village; commuter friendly, close to I-75, shopping and the Punta Gorda Airport.

36. 2016-01-15
    listed $229,900 Active 1234-char remark

    Show marketing remark (1234 chars)

    * * * $10,000 PRICE REDUCTION * * * This light and bright 4/2/2 Creekside home is impeccably remodeled and loaded with features. Pass thru the front entry into the living room and you're greeted with towering ceilings lined with crown molding, beautifully cased windows and gorgeous bamboo flooring. The Kitchen has wood cabinets, tile backsplash, stainless steel appliances, granite counters with a breakfast bar, recessed lights, and new tile floors. The spacious family room with custom built-ins offers direct access to the screened lanai and plenty of room for furnishings. Owners will appreciate a beautiful master suite including a walk in closet, walk in shower, double vanities and new tile floor. A convenient laundry room & second bath are perfectly situated between the three secondary bedrooms. Additional features include ceiling fans, fresh paint, blinds, brand new flooring throughout, new appliances, screened enclosed lanai and fenced yard. A quaint walking trail just beyond the back yard leads to a small park with jungle gym and slide for playtime. This home is just minutes from Charlotte Harbor & Fishermen’s village; commuter friendly, close to I-75, shopping and the Punta Gorda Airport.

37. 2014-10-07
    price $139,900
38. 2014-10-06
    soldstatus $141,000
39. 2014-03-20
    listed $141,000
40. 2006-10-30
    soldstatus $212,990
41. 2006-05-11
    listed $233,990

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $4,849 · $404/mo
• Projected year-2 tax: $4,849 · $404/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 57% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,486
• − Mortgage interest: −$13,724
• − Property taxes: −$4,849
• − Insurance: −$1,225
• − Repairs & maintenance: −$2,199
• − Management: −$2,199
• − HOA: −$768
• − Depreciation: −$7,127
• Taxable loss: −$4,604
• Est. tax savings @ 24.0%: +$1,105
• After-tax cash flow: $560/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Charlotte
• NCES district ID: 1200240
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 54% ▼ -1.00%
• Median HH income: $44,864
• Composite: 45.62/100
• National rank: #2586
• State rank: #22 of 73 in FL

Livability — Punta Gorda

• Score: 76/100
• State rank: #225
• US rank: #3567

Category grades

Amenities D- Commute F Cost of living D+ Crime A+ Employment B- Housing B Health & safety A+ User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Charlotte County · 196,994 people
• City population: 68,831
• Metro: Punta Gorda, FL
• Population (ZIP): 24,955
• Household income: $76,369
• Rent vs Own: 17.6% rent · 82.4% own
• Severe rent burden: 608.0

Population outlook (Charlotte County) Hauer SSP2

• Today (2025): 198,646 people
• By 2030: 210,507 · +6.0%
• By 2040: 230,857 · +16.2%
• By 2050: 247,148 · +24.4%
• By 2075: 281,777 · +41.8%
• By 2100: 293,609 · +47.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Two or more races 5% Black 5% Hispanic / Latino 4% Asian 1%
• Common ancestry: Lithuanian 5% Romanian 4% Italian 2%
• Foreign-born: 7% · Canada
• Languages at home: 95% English-only · Spanish 3% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Charlotte

• 2024 margin: Solid R (+34.0) · D 32.7% · R 66.7%
• 2008→2024 swing: -26.7pp toward R · 2008: -7.2pp · 2024: -34.0pp
• All cycles: 2024: R+34.0 2020: R+26.6 2016: R+27.8 2012: R+14.3 2008: R+7.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -111.73%
• Current HPI: 261.6573
• Rent YoY: ▼ -0.06%
• Metro: Punta Gorda, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+11.1% since first listed

24 events — show timeline

• 2026-05-25 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-25 Price Changed $260,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-10-21 Listed $240,000 Stellar MLS as Distributed by MLS Grid
• 2023-07-27 Sold (Public Records) $375,000 Public Records
• 2023-07-12 Sold (MLS) $375,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-05-02 Price Changed $379,900 Stellar MLS as Distributed by MLS Grid
• 2023-03-23 Price Changed $384,900 Stellar MLS as Distributed by MLS Grid
• 2023-01-26 Listed $389,900 Stellar MLS as Distributed by MLS Grid
• 2016-06-01 Sold (Public Records) $205,000 Public Records
• 2016-05-31 Sold (MLS) $205,000 Stellar MLS as Distributed by MLS Grid
• 2016-04-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-03-29 Price Changed $119,900 Stellar MLS as Distributed by MLS Grid
• 2016-03-29 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2016-03-12 Relisted — Stellar MLS as Distributed by MLS Grid
• 2016-03-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2016-03-04 Price Changed $224,900 Stellar MLS as Distributed by MLS Grid
• 2016-01-15 Listed $229,900 Stellar MLS as Distributed by MLS Grid
• 2014-10-07 Price Changed $139,900 FORTMLS
• 2014-10-06 Sold (MLS) $141,000 FORTMLS
• 2014-03-20 Listed $141,000 FORTMLS
• 2006-10-30 Sold (MLS) $212,990 Stellar MLS as Distributed by MLS Grid
• 2006-05-11 Listed $233,990 Stellar MLS as Distributed by MLS Grid

Property tax history

+7.4%/yr

Latest (2025): $4,849 · -13.0% YoY. Source: county tax records.