10175 WINDING RIVER ROAD, PUNTA GORDA, FL, 33950
Active25 days on marketListed Oct 13, 2026MLS #N6146002
About this home
10175 WINDING RIVER ROAD
Annual lease home in Creekside deed restricted community in Punta Gorda. Available NOW. Spacious 4 bedroom, 2-1/2 bath home with 2 car garage. Open floor plan with kitchen, dining and living room all on first floor. All bedrooms as well as the laundry room are upstairs. Extra storage room under the stairs. Nice view of the pond from the back porch. Lawn care will be added on top of the rent at $120 each month. Close to shopping, dining, fuel and restaurants. Close, easy access to I-75. Creekside HOA needs 14 days for board approval.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,349
Sqft
0.16 ac
Lot size
2
Garage
2013
Year built
Two
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.
$177 /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
$177/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.
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.
$/sqft vs Punta Gorda actives
$1 vs $206
Days on market
25 vs 65 typical
Where $1/sqft sits among the 400 Punta Gorda actives
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
$3,200/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
2,433
Median age
62
Median income
$60,387
Median home value
$168,514
Avg household
2
Households w/ children
303
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)
171 of 400
Punta Gorda actives 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 10175 WINDING RIVER 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$475,000
4310 BAYSIDE DRIVE · same community
5 bd · 3 ba · 2,032 sqft · $234/sqft · 99 DOM
Sold · Jul ’26$255,000
10147 WINDING RIVER ROAD · same community
4 bd · 2 ba · 1,994 sqft · $128/sqft · 93 DOM
Sold · Apr ’26$355,000
9982 BISHOP CREEK WAY · same community
3 bd · 2 ba · 1,920 sqft · $185/sqft · 213 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10175 WINDING RIVER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10175 WINDING RIVER ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10175 WINDING RIVER ROAD FAQs
What would the monthly payment be for 10175 WINDING RIVER ROAD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $177/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 10175 WINDING RIVER ROAD 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 10175 WINDING RIVER ROAD?+
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 $2,095, this home is listed about 99% below the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10175 WINDING RIVER ROAD?+
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
Four things that matter here
01Under the PUNTA GORDA 33950 market on paper
$2,095 is 99% below the PUNTA GORDA 33950 median of $295,500, and at $1/sqft it sits under the Punta Gorda average of $234.
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.
03Water views
The water view is part of what you're buying — views hold value independently of the structure.
04The price has already moved
Listed at $2,195, now $2,095 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SECURE DOOR PROPERTY MANAGEMENT · Alan Myhre. MLS #N6146002.
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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