Eric Chery
$375,0003 bd2 ba2,111 sqft$178 /sqft$2,737 /mo all-in ↓

26085 CONCEPCION DRIVE, PUNTA GORDA, FL, 33983

Active3 days on marketListed Jul 18, 2026MLS #C7528531

Private poolSingle Family ResidencePUNTA GORDA ISLES SEC 20

About this home

26085 CONCEPCION DRIVE

Move-in ready 3-bedroom, 2-bath pool home in Deep Creek, Punta Gorda — a community with its own 18-hole golf course, deeded greenbelts, and easy I-75 access. The split floor plan puts an open kitchen and living room at the center of the layout, with cathedral ceilings, skylights over the living room, kitchen, and both bathrooms, and ceiling alcoves that carry through the main living areas. Pocket sliding glass doors connect the living room straight to the lanai, erasing the line between indoor and outdoor space. The paved lanai wraps the pool, which has built-in entry steps, and the covered section stays shaded for everyday use or entertaining. Ceiling fans run through the living room, primary suite, both guest bedrooms, the eat-in kitchen, and the lanai itself. The primary suite has its own private slider straight out to the pool deck, plus a spa-style bathroom with dual vanities, a walk-in shower, and a separate water closet. Two walk-in closets serve the primary bedroom, one fitted with built-in shoe shelving. The guest bathroom doubles as a pool bath for easy indoor-outdoor access. The indoor laundry room has generous space for storage and folding, and the backyard is fully fenced. A two-car garage with a sliding screen door and a screened front entry round out the exterior. Deep Creek residents have access to Deep Creek Golf Club, an 18-hole semi-private course open to the public, along with Deep Creek Park's tennis and pickleball courts, playground, and picnic areas just minutes away. The location puts you close to the Peace River for kayaking and fishing, downtown Punta Gorda and Fishermen's Village for waterfront dining and shopping, and Charlotte County's year-round calendar of festivals and community events.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,111

Sqft

0.22 ac

Lot size

2

Garage

1990

Year built

One

Levels

$178

Per sqft

Private poolCity view

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator
InteriorOpen Floorplan · Split Bedroom
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewCity
FacesNorth
ExteriorDog Run · Hurricane Shutters

Community & fees

HOA fee$17/mo
Taxes (2025)$2,244/yr
PetsNo
CommunityDeed Restrictions · No Truck/RV/Motorcycle Parking

Utilities & systems

UtilitiesOther
WaterPublic

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.

$2,737 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,208
FHA mortgage insurance (est.)$166
Property tax — 2025 actual bill$187
HOA fee — from the listing$17
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,125Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,125
Interest rate6.00%
Loan term

Estimated payment

$2,737/mo

Principal & interest$2,208
FHA mortgage insurance (est.)$166
Property taxes (actual bill)$187
HOA / condo fee$17
Est. insurance$160

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.

List $375K
$360KedgeAI estimate $435,529 · range $412K$487K$506K

vs edgeAI estimate

−13.9%

$/sqft vs PUNTA GORDA ISLES SEC 20

$178 vs $186

Days on market

3 vs 59 typical

Where $178/sqft sits among the 43 homes for sale in PUNTA GORDA ISLES SEC 20

9
15 · this home
7
4
4
4
$148–170$170–191$191–213$213–235$235–256$256+

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

Map of 26085 CONCEPCION DRIVE inside its neighborhood boundary

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

ElementaryDeep Creek Elementary School★★★★
MiddlePunta Gorda Middle School★★★★★
HighCharlotte High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Punta Gorda market

Seller’s marketBalanced6.0 months of inventoryBuyer’s market

$345K$345K

Punta Gorda median sold, yr/yr

95.0%

Sale-to-list ratio (12 mo)

23 of 43

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 400% above the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →

Paper trail

This home's history

Jul 18, 2026Listed at $375,000 · 3 days on market since
1990Built · PUNTA GORDA ISLES SEC 20

Reality check

What actually sold near 26085 CONCEPCION DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

401 MALPELO AVENUESold · May ’26

$207,000

401 MALPELO AVENUE · same community

4 bd · 3 ba · 2,110 sqft · $98/sqft · 10 DOM

10 CALLAO STREETSold · Nov ’25

$305,000

10 CALLAO STREET · same community

4 bd · 2 ba · 2,145 sqft · $142/sqft · 24 DOM

150 CASTILE COURTSold · Apr ’26

$350,000

150 CASTILE COURT · same community

3 bd · 2 ba · 2,068 sqft · $169/sqft · 156 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 26085 CONCEPCION DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 26085 CONCEPCION DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

26085 CONCEPCION DRIVE FAQs

What would the monthly payment be for 26085 CONCEPCION DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,737/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 26085 CONCEPCION DRIVE?+

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 26085 CONCEPCION DRIVE?+

The most recent tax bill on record (2025) was $2,244. 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 26085 CONCEPCION DRIVE?+

The listing reports pets: No. 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 $375,000, this home is listed about 9% 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 26085 CONCEPCION DRIVE?+

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

$375,000 runs 400% above the PUNTA GORDA 33983 median — but at 2,111 sqft it's also 23% larger than the typical Punta Gorda listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 3 days on market in a Punta Gorda market that averages 59 — if it fits, move quickly.

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.

Listing courtesy of COLDWELL BANKER REALTY · Bradly Linenberg. MLS #C7528531.

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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