26028 NORTHERN CROSS ROAD, PUNTA GORDA, FL, 33983
Active155 days on marketListed Mar 10, 2026MLS #C7523041
About this home
26028 NORTHERN CROSS ROAD
Three Bedroom, Two Bath, attached Two Car Garage Home located on a quite cul-de-sac in the Deep Creek Deed Restricted Community. Situated on an oversized Lot with Green Belt views, plus room to add a Pool if desired. This Home offers 1,545 sq. feet of Living Space, plus a Screened Patio area giving more space to enjoy. Volume Ceilings, Separate Living, Dining, Split Floor Plan with Private Primary Suite with access to the Screened Patio, Dual Sinks, Walk in Shower and Spacious closet, The Kitchen has Granite Countertops, Stainless Steel Appliances, Breakfast Bar and overlooks the Separate Dining Room. This Home also has an inside Laundry Room with utility Sink and additional storage. Roof was replaced in December 2021, New Hot water Heater 2024, AC in 2020, Garage overhead door 2023, Impact Windows March 2020 and the Sliders have Hurricane Shutters, also this Home is located in Flood Zone X. You will be within a short drive to Shopping, Dining, Golf, Tennis, Boating, Fishing, Pickleball, Charlotte Harbor and I-75 with Sarasota to the North and Fort Myers to the South. Come take a Tour, this Home is Ready to Move in!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,545
Sqft
0.25 ac
Lot size
2
Garage
1986
Year built
One
Levels
$194
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.
$2,348 /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
$2,348/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
+12%
$/sqft vs PUNTA GORDA ISLES SEC 23
$194 vs $180
Days on market
155 vs 62 typical
Where $194/sqft sits among the 27 homes for sale in PUNTA GORDA ISLES SEC 23
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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
14 of 27
PUNTA GORDA ISLES SEC 23 have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 299% 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 26028 NORTHERN CROSS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$189,000
2436 NUREMBERG BOULEVARD · same community
3 bd · 2 ba · 1,526 sqft · $124/sqft · 113 DOM
Sold · Jan ’26$215,000
2260 OBERON LANE · same community
2 bd · 2 ba · 1,452 sqft · $148/sqft · 8 DOM
Sold · Jun ’26$272,000
1393 VERMOUTH LANE · same community
2 bd · 2 ba · 1,736 sqft · $157/sqft · 16 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 26028 NORTHERN CROSS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 26028 NORTHERN CROSS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
26028 NORTHERN CROSS ROAD FAQs
What would the monthly payment be for 26028 NORTHERN CROSS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,348/mo — principal and interest, the actual property-tax bill, the $17/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 26028 NORTHERN CROSS ROAD?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 26028 NORTHERN CROSS ROAD?+
The most recent tax bill on record (2025) was $3,341. 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 26028 NORTHERN CROSS ROAD?+
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 $299,000, this home is listed about 12% below the Punta Gorda median of $339,500. The market section on this page shows how the area is trending.
Which schools are assigned to 26028 NORTHERN CROSS ROAD?+
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
Five things that matter here
01Positioned at the premium end
$299,000 runs 299% above the PUNTA GORDA 33983 median.
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
155 days on market against a Punta Gorda median of 62 — 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.
05The price has already moved
Listed at $320,000, now $299,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HARBOR REALTY · John Flowers. MLS #C7523041.
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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