9984 SPRING GULCH LANE, PUNTA GORDA, FL, 33950
Active115 days on marketListed Apr 12, 2026MLS #A4689246
About this home
9984 SPRING GULCH LANE
Surround yourself with the serene beauty of Florida's Gulf Coast at 9984 Spring Gulch Lane, a charming rental property nestled in the heart of Punta Gorda. This delightful home offers three spacious bedrooms and two full bathrooms, providing ample space for comfortable living, with 1,512 square feet of well-designed space. The open layout seamlessly connects the living, dining, and kitchen areas, making it ideal for entertaining guests or enjoying quiet evenings at home. Large windows throughout the home invite abundant natural light, illuminating every corner with a cheerful glow. Home also includes air conditioning in the garage. The property's location offers convenient access to local amenities, ensuring you’re never far from dining, shopping, and recreational opportunities. Imagine sipping your morning coffee on the patio, surrounded by lush greenery. ADDITIONAL FEES AND RENTAL INFORMATION: Move-In Funds: Minimum 1st month rent, Minimum security deposit equal to 1x the monthly rent OR No-Security Deposit Option: Ask about applying for a zero-security deposit option through our partnership with The Guarantors. Pets: Pets Considered. $35 per month, $250 pet deposit, Nothing over 50lbs. Laundry: Washer and Dryer available for use. Lawn Care: Tenant Responsible. Utilities: Trash is Included, Tenant responsible for electric and water. HOA: $50 HOA APPLICATION FEE PER ADULT. PLEASE ALLOW FOR UP TO 14 DAYS FOR PROCESSING. At PMI Southwest Florida, we strive to provide an experience that is cost-effective and convenient. That’s why we provide a Resident Benefits Package (RBP) to address common headaches for our residents. Our Standard Program handles insurance, air filter changes, utility set up, credit building, rent rewards and more at a rate of *$39.95/month, added to every property as a required program. You have the option to elect our Premium Program, which includes all of the above plus identity protection & pest control at a rate of *$49.95/month. *If you provide your own insurance policy, the RBP cost will be reduced by $11.95, which is the amount of the insurance premium billed by Second Nature Insurance Services.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,507
Sqft
0.18 ac
Lot size
2
Garage
2014
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$172 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$172/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs CREEKSIDE
$1 vs $184
Days on market
115 vs 60 typical
Where $1/sqft sits among the 8 homes for sale in CREEKSIDE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The investor lens
Two ways this home pays
This home sits inside Creekside, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,800/mo median
Live Punta Gorda rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Jones Loop
Creekside is a short-term-rental community. See the full guide →
Jones Loop — neighborhood snapshot
Population
2,550
Median age
60
Median income
$72,488
Median home value
$170,624
Avg household
2
Households w/ children
368
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$345K → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
4 of 8
CREEKSIDE have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 9984 SPRING GULCH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$315,000
4458 CREEKSIDE DRIVE · same community
3 bd · 2 ba · 1,525 sqft · $207/sqft · 9 DOM
Sold · Nov ’25$315,000
934 NW 34TH AVENUE · same community
3 bd · 2 ba · 1,532 sqft · $206/sqft · 34 DOM
Sold · Jul ’26$293,500
9977 BISHOP CREEK WAY · same community
3 bd · 2 ba · 1,465 sqft · $200/sqft · 58 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9984 SPRING GULCH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9984 SPRING GULCH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9984 SPRING GULCH LANE FAQs
What would the monthly payment be for 9984 SPRING GULCH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Can 9984 SPRING GULCH LANE be rented short-term?+
Yes — this home sits inside Creekside, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 9984 SPRING GULCH LANE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Monthly Pet Fee, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Punta Gorda?+
At $1,695, this home is listed about 100% below the Punta Gorda median of $344,500. The market section on this page shows how the area is trending.
Which schools are assigned to 9984 SPRING GULCH LANE?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PUNTA GORDA 33950 market on paper
$1,695 is 99% below the PUNTA GORDA 33950 median of $269,900, and at $1/sqft it sits under the Punta Gorda average of $230.
02Zoned for nightly rentals
Creekside is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03The price has already moved
Listed at $1,950, now $1,695 — a $255 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PMI SOUTHWEST FLORIDA · Alex Corona. MLS #A4689246.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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