640 Encarnacion St

2,066 Sq. Ft.
$206 / Sq. Ft.
2,066
Sq. Ft.
$206
per Sq. Ft.

Description

Reduced over $21,000! Best deal in deep creek! This stone accent beauty with a front porch has it all! 3/2 plus flex room! Built in 2021 on a premium corner lot backing onto a greenbelt, this beautifully upgraded home offers 3 bedrooms, 2 bathrooms, and a spacious three-car garage. At the heart of the home is the stunning kitchen, featuring fresh white cabinetry, granite countertops, stainless steel appliance package, large 12-foot island w/barstools, and large pantry perfect for entertaining or...Reduced over $21,000! Best deal in deep creek! This stone accent beauty with a front porch has it all! 3/2 plus flex room! Built in 2021 on a premium corner lot backing onto a greenbelt, this beautifully upgraded home offers 3 bedrooms, 2 bathrooms, and a spacious three-car garage. At the heart of the home is the stunning kitchen, featuring fresh white cabinetry, granite countertops, stainless steel appliance package, large 12-foot island w/barstools, and large pantry perfect for entertaining or simply enjoying everyday life in style. The kitchen flows seamlessly into the open-concept great room, which boasts crown molding, LED lighting, and sliding glass doors that lead to a screened lanai at the back of the home with coveted western exposure ideal for relaxing with a drink and taking in the gorgeous sunsets. The primary suite is a private sanctuary with a tray ceiling, upgraded lighting, a spa-like bathroom with his/her vanities, a large glass shower w/dual shower heads, and generous walk-in closet. The two guest bedrooms are well-sized and share a bathroom, while the laundry room includes a GE washer and smart-sensor dryer with pedestal drawers. The flex room off the foyer, finished with crown molding, is perfect for a more formal dining area or office. Upgrades include premium tile flooring, crown molding, stone exterior accents, two garage openers, irrigation system, gutters, water filtration and a fenced yard.
  1. Listed by Cliff Glansen • Brokerage DRE #1049918 • FLATFEE.COM
    P: (954)-965-3990 info@flatfee.com

Property Details for 640 Encarnacion Street

Subdivision Name
PUNTA GORDA ISLES SEC 20
Township
40S
Carport Spaces
0
Garage Spaces
3
View
Park/Greenbelt
Waterfront
No
LISTING UPDATED: 02/13/2026 11:49 AM

Property Details for 640 Encarnacion Street

StatusActive
MLS #A4670334
Days on Market114
Taxes$4,903 / year
HOA Fees$200 / year
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built2021
Lot Size0.25 AC / 11,025 SF
CountyCharlotte County

Location

Listing Courtesy of FLATFEE.COM, Cliff Glansen
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Building Information for 640 Encarnacion Street

Stories1Year Built2021Building Size-Lot Size0.25 AC / 11,025 SF

Payment Calculator

$2,497 per month

30 year fixed, 6.15% Interest

Principal and Interest

$2,071

Property Taxes

$409

HOA Dues

$17

The Payment Calculator is for illustrative purposes only.

Property Information for 640 Encarnacion Street

Summary
Location and General Information
  • Building Area Source: Public Records
  • Building Area Total: 3075.0
  • Building Area Units: Square Feet
  • Community Features: Deed Restrictions, Park, Tennis Court(s)
  • Direction Faces: North
  • Directions: Exit 170 to East on Kings Highway, Right Sandhill Blvd, to Seasons and turn right on Encarnacion Street, first house on right
  • Elementary School: Deep Creek Elementary
  • Middle Or Junior School: Port Charlotte Middle
  • High School: Charlotte High
  • Mls Major Change Type: Price Decrease
  • Listing Service: Limited Service
  • Senior Community: No
  • SW Subdiv Community Name: Deep Creek
  • Unit Number: No
  • Street Number: 640
  • Street Name: ENCARNACION
  • Street Suffix: STREET
  • State: FL
  • City: PUNTA GORDA
Parking
  • Attached Garage: Yes
  • Carport: Yes
  • Garage Dimensions: 22X28
  • Garage: Yes
  • Parking Features: Guest
Taxes and HOA Information
  • Association Approval Required: No
  • Association Fee Requirement: Required
  • Association Name: Deborah Barrett
  • Association Phone: 941-627-6562
  • Association: Yes
  • CDD: No
  • Tax Block: 523
  • Tax Book Number: 11-2
  • Tax Legal Description: PGI 020 0523 0022 PUNTA GORDA ISLES SEC20 BLK523 LT 22 737/1662 TD4417/1017 4561/1268 4769/2033 4962/1395
  • Tax Lot: 22
  • Tax Year: 2024
Virtual Tour
Property
Lot Information
  • Additional Parcels: No
  • Lot Features: Corner Lot
  • Parcel Number: 402303358001
  • Total Acreage: 1/4 to less than 1/2
  • Water Access: No
  • Water Extras: No
  • Zoning: RSF3.5
  • Living Area: 2066
Property and Assessments
  • Year Built Numeric: 2021
  • Association Amenities: Basketball Court, Park, Tennis Court(s)
  • Flood Zone Code: x
  • Homestead: Yes
  • New Construction: No
  • Public Survey Range: 23E
  • Public Survey Section: 03
Utilities
  • Sewer: Public Sewer
  • Utilities: Electricity Connected
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • Construction Materials: Block, Concrete, Stone
  • Exterior Features: Lighting
  • Fencing: Fenced
  • Foundation Details: Slab
  • Levels: One
  • Pool Private: No
  • Pool: None
  • Pool Private: No
  • Roof: Shingle
  • Waterfront Feet Total: 0
  • Number Of Stories: 1
Interior Features
  • Bedrooms Total: 3
  • Bathrooms Full: 2
  • Additional Rooms: Den/Library/Office, Great Room, Inside Utility
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • Cooling: Central Air
  • Fireplace: No
  • Flooring: Carpet, Tile
  • Heating: Central
  • Interior Features: Ceiling Fan(s), Solid Surface Counters, Walk-In Closet(s)
  • Laundry Features: Laundry Room
  • Living Area Source: Public Records
  • Living Area Units: Square Feet
  • Room Count: 3.0
  • Water View: No
  • Bathrooms Half: 0
Rental
Rental Information
  • Minimum Lease Period: 0
  • Pets Allowed: Yes

Property History for 640 Encarnacion Street

DateEvent & SourcePriceAppreciation
Feb 21, 2026

Price Change

FORTMLS #2026002097

$424,995—
Feb 13, 2026

Price Change

MFRMLS #A4670334

$424,996—
Feb 13, 2026

Price Change

FORTMLS #2026002097

$424,996—
Feb 9, 2026

Price Change

MFRMLS #A4670334

$424,998—
Feb 9, 2026

Price Change

FORTMLS #2026002097

$424,997—
Feb 4, 2026

Price Change

FORTMLS #2026002097

$424,998—
Jan 13, 2026

Listed (Active)

FORTMLS #2026002097

$424,999—
Dec 31, 2025

Expired

FORTMLS #2025007602

$444,998—
Dec 18, 2025

Withdrawn

FORTMLS #2025007602

$444,998—
Oct 30, 2025

Listed (Active)

MFRMLS #A4670334

$424,999—
Oct 30, 2025

Temporarily Off Market

MFRMLS #A4670334

—
Oct 30, 2025

Listed (Active)

MFRMLS #A4670334

$445,998—
Oct 16, 2025

Price Change

FORTMLS #2025007602

$445,998—
Oct 13, 2025

Price Change

FORTMLS #2025007602

$445,999—
Sep 11, 2025

Price Change

FORTMLS #2025007602

$446,000—
Sep 2, 2025

Listed (Active)

FORTMLS #2025007602

$447,000—
Aug 18, 2025

Withdrawn

MFRMLS #A4655821

$451,900—
Aug 7, 2025

Price Change

MFRMLS #A4655821

$449,999—
Jul 18, 2025

Listed (Active)

MFRMLS #A4655821

—
Jul 18, 2025

Price Change

MFRMLS #A4655821

$451,900—
Jun 29, 2025

Temporarily Off Market

MFRMLS #A4655821

$469,000—
Jun 29, 2025

Temporarily Off Market

MFRMLS #A4655821

$451,900—
Jun 26, 2025

Price Change

MFRMLS #A4655821

$469,000—
Jun 20, 2025

Price Change

MFRMLS #A4655821

$472,900—
Jun 13, 2025

Listed (Active)

MFRMLS #A4655821

$474,900—
Apr 23, 2021

Sold (Public Record)

Public Record #1463259728

$268,200

+1085.6% / yr

Mar 20, 2020

Sold (Public Record)

Public Record #668754692

$18,000—
DateEvent & SourcePrice
02/21/2026

Price Change

FORTMLS #2026002097

$424,995
02/13/2026

Price Change

MFRMLS #A4670334

$424,996
02/13/2026

Price Change

FORTMLS #2026002097

$424,996
02/09/2026

Price Change

MFRMLS #A4670334

$424,998
02/09/2026

Price Change

FORTMLS #2026002097

$424,997
02/04/2026

Price Change

FORTMLS #2026002097

$424,998
01/13/2026

Listed (Active)

FORTMLS #2026002097

$424,999
12/31/2025

Expired

FORTMLS #2025007602

$444,998
12/18/2025

Withdrawn

FORTMLS #2025007602

$444,998
10/30/2025

Listed (Active)

MFRMLS #A4670334

$424,999
10/30/2025

Temporarily Off Market

MFRMLS #A4670334

—
10/30/2025

Listed (Active)

MFRMLS #A4670334

$445,998
10/16/2025

Price Change

FORTMLS #2025007602

$445,998
10/13/2025

Price Change

FORTMLS #2025007602

$445,999
09/11/2025

Price Change

FORTMLS #2025007602

$446,000
09/02/2025

Listed (Active)

FORTMLS #2025007602

$447,000
08/18/2025

Withdrawn

MFRMLS #A4655821

$451,900
08/07/2025

Price Change

MFRMLS #A4655821

$449,999
07/18/2025

Listed (Active)

MFRMLS #A4655821

—
07/18/2025

Price Change

MFRMLS #A4655821

$451,900
06/29/2025

Temporarily Off Market

MFRMLS #A4655821

$469,000
06/29/2025

Temporarily Off Market

MFRMLS #A4655821

$451,900
06/26/2025

Price Change

MFRMLS #A4655821

$469,000
06/20/2025

Price Change

MFRMLS #A4655821

$472,900
06/13/2025

Listed (Active)

MFRMLS #A4655821

$474,900
04/23/2021

Sold (Public Record)

Public Record #1463259728

$268,200

+1085.6% / yr

03/20/2020

Sold (Public Record)

Public Record #668754692

$18,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 640 Encarnacion Street

Taxable ValueLand-Additions-Total-
Tax Record2025$4,095 ($341 / month)
Home Facts
Beds3Total Finished SqFt2,066 SqFtAbove Grade Finished SqFt2,066 SqFtStories1Lot Size11,025 SqFtStyleSingle Family ResidenceYear Built2021ZoningRSF3.5CountyCHARLOTTEAPN40-23-03-358-001

Schools near 640 Encarnacion Street

This home is within Charlotte.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - 6 to 8
Public - 9 to 12
Public - PK to 12
Rating
School
Distance
Deep Creek Elementary School
PublicPK to 5

Punta Gorda Middle School
Public6 to 8

Charlotte High School
Public9 to 12

Charlotte Harbor School
PublicPK to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

Similar Homes

Similar Sold Homes

640 Encarnacion Street is a single family home for sale in Punta Gorda, FL 33983. This property was listed for sale on October 30, 2025 by FLATFEE.COM, it's currently listed at $424,996. It has been on the market for a total of 114 days and was last sold on April 23, 2021. This listing's school district is Charlotte. Nearby schools include Deep Creek Elementary School, Punta Gorda Middle School and Charlotte High School. 640 Encarnacion Street is a 3-bed, 2-bath, 2,066 sqft single family home built in 2021.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of FLATFEE.COM, Cliff Glansen

The information is being provided in part by Southwest Florida Multiple Listing Service, Broker Reciprocity Program ("BR Program") of M.L.S. of Naples, Inc. ("Naples MLS"), under License No. NCOMPN2, and MarcoMls. Information deemed reliable but not guaranteed. Information is provided for consumers' personal, non-commercial use, and may not be used for any purpose other than the identification of potential properties for purchase. Copyright 2026 Southwest Florida Multiple Listing Service and MarcoMls. All Rights Reserved. The data relating to real estate for sale displayed on this website comes in part from the Broker Reciprocity Program ("BR Program") of M.L.S. of Naples, Inc. ("Naples MLS"), under License No. NCOMPN2 and MarcoMls. Properties listed with brokerage firms other than Compass are marked with the "BR House" logo. Detailed information about such properties includes the name of the brokerage firm with which the seller has listed the property. The properties displayed may not be all the properties listed with brokerage firms participating in the Naples MLS BR Program, or contained in the database compilation of Naples MLS.