2289 MONTPELIER ROAD, PUNTA GORDA, FL, 33983
Active10 days on marketListed Oct 28, 2026MLS #C7532485
About this home
2289 MONTPELIER ROAD
IMPRESSIVELY UPDATED 3 bedroom and a den POOL home in the highly desirable DEEP CREEK neighborhood that is NOT in a flood zone and has NO monthly HOA dues (minor yearly HOA amount). UPGRADES/UPDATES include 2021 roof, 2022 AC, 2025 HWH, 2021 Pool heater, IMPACT windows and doors 2022 and whole house generator 2023, repipe of house 2023 and if you can believe it even more updates!!! The only thing left for you to do is sit back, relax and enjoy this AMAZING home. A massive lanai with the heated pool and awesome nature view will be a great place to do some laps or sit back and enjoy your favorite evening beverage. Gorgeous curb appeal as you approach this home - step inside and you'll notice the large living room to the right with a good size dining room that provides a view and access to the lanai and also seamlessly connects to the kitchen that includes 2 counter stools and a large kitchenette with table and 4 chairs. The study/den and 2 guest bedrooms and bathroom (access to pool) are all located on the left side of the house with the master bedroom and bathroom located on the right - providing plenty of privacy for both you and your guests. All bedrooms feature walk-in closets - great for storage - and one of the guest bedrooms and the master bedroom provide access to the lanai. DEEP CREEK is in an excellent location - not in a flood zone - and yet only 10 to 15 minutes to the shops and restaurants of downtown Punta Gorda and Fisherman's village. And you have easy access to I75 to head to any number of other Florida fun spots north or south. If you are in need of a true 3 bedroom home with a separate den/study then you should hurry and arrange a private showing of this AMAZING home.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,969
Sqft
0.22 ac
Lot size
2
Garage
1984
Year built
One
Levels
$218
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.
$3,754 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,754/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+45%
$/sqft vs PUNTA GORDA ISLES SEC 23
$218 vs $179
Days on market
10 vs 65 typical
Where $218/sqft sits among the 35 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
13,143
Median age
55
Median income
$64,635
Median home value
$354,360
Avg household
2
Households w/ children
1,066
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
$325K → $340K
Punta Gorda median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
14 of 35
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 405% 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 2289 MONTPELIER ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$334,250
1856 NUREMBERG BOULEVARD · same community
3 bd · 2 ba · 1,993 sqft · $168/sqft · 244 DOM
Sold · Sep ’26$205,000
2082 ONONDAGA LANE · same community
3 bd · 2 ba · 1,939 sqft · $106/sqft · 0 DOM
Sold · Jun ’26$360,000
1113 FERGUS LANE · same community
3 bd · 2.5 ba · 2,021 sqft · $178/sqft · 2 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2289 MONTPELIER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2289 MONTPELIER ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2289 MONTPELIER ROAD FAQs
What would the monthly payment be for 2289 MONTPELIER ROAD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,754/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 2289 MONTPELIER 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 2289 MONTPELIER ROAD?+
The most recent tax bill on record (2025) was $5,302. 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 2289 MONTPELIER 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 $429,000, this home is listed about 19% above the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2289 MONTPELIER 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
Three things that matter here
01Positioned at the premium end
$429,000 runs 405% above the PUNTA GORDA 33983 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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 KW PEACE RIVER PARTNERS · John Batliner. MLS #C7532485.
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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