475 POSADAS CIRCLE, PUNTA GORDA, FL, 33983
Active183 days on marketListed Jan 22, 2026MLS #C7520683
About this home
475 POSADAS CIRCLE
Impressive and spacious 4 Bedroom, 2 Bathroom home with attached 2 Car Garage built in 2022. Located in the desirable deed restricted community of Deep Creek. This light and bright home offers a true open concept and split bedroom floor plan. The Great Room opens to the Dining area, well appointed Kitchen and Inside Laundry with front loading washer and dryer. The Kitchen features stone counters, white cabinets, large island with breakfast bar, double sink, storage and the stainless dishwasher. Other stainless appliances include French door refrigerator, oven/range, built in microwave. The Master Bedroom suite offers a walk in closet and private bathroom with double sink and large walk in shower. There are three additional generous sized bedrooms with double closets. The guest bathroom offers dual sinks and a tub/shower combo. Your living space extends via sliding glass doors to the large screened rear porch with greenbelt view. Other features include open front porch, rain gutters, tile floors throughout the home. Utilities are county water and sewer. This home is minutes from shopping, dining, Golf, entertainment, I-75 and is a short drive to medical care, waterfront parks and boat ramps. This is a wonderful home in a great community.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,032
Sqft
0.25 ac
Lot size
2
Garage
2022
Year built
One
Levels
$177
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,888 /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
$2,888/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
vs edgeAI estimate
+7.5%
$/sqft vs PUNTA GORDA ISLES SEC 20
$177 vs $191
Days on market
183 vs 59 typical
Where $177/sqft sits among the 40 homes for sale in PUNTA GORDA ISLES SEC 20
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.
Where it sits
Inside Deep Creek
Get to know Punta Gorda. See the full Punta Gorda guide →
Deep Creek — neighborhood snapshot
Population
13,000
Median age
55
Median income
$70,043
Median home value
$306,257
Avg household
2
Households w/ children
1,092
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 → $345K
Punta Gorda median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
20 of 40
PUNTA GORDA ISLES SEC 20 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 414% above the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 475 POSADAS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$415,000
202 CEYENNE STREET · same community
3 bd · 2 ba · 2,000 sqft · $208/sqft · 5 DOM
Sold · Apr ’26$350,000
150 CASTILE COURT · same community
3 bd · 2 ba · 2,068 sqft · $169/sqft · 156 DOM
Sold · Mar ’26$335,000
26164 COPIAPO CIRCLE · same community
4 bd · 2 ba · 1,976 sqft · $170/sqft · 121 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 475 POSADAS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 475 POSADAS CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
475 POSADAS CIRCLE FAQs
What would the monthly payment be for 475 POSADAS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,888/mo — principal and interest, the actual property-tax bill, the $18/mo association fee 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.
How much are the HOA fees at 475 POSADAS CIRCLE?+
The association fee works out to $18 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 475 POSADAS CIRCLE?+
The most recent tax bill on record (2025) was $5,181. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 475 POSADAS CIRCLE?+
The listing reports pets: 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 $360,000, this home is listed about 4% above the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 475 POSADAS CIRCLE?+
Deep Creek Elementary School (elementary), Punta Gorda Middle School (middle), Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$360,000 runs 414% above the PUNTA GORDA 33983 median — but at 2,032 sqft it's also 18% larger than the typical Punta Gorda listing.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
183 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Deep Creek Elementary School, Punta Gorda Middle School, Charlotte High School — Deep Creek Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Gerald Hayes. MLS #C7520683.
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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