
26085 CONCEPCION DRIVE, PUNTA GORDA, FL, 33983
Active3 days on marketListed Jul 18, 2026MLS #C7528531
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
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.
$2,737 /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
$2,737/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
−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
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 → $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
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.
Sold · May ’26$207,000
401 MALPELO AVENUE · same community
4 bd · 3 ba · 2,110 sqft · $98/sqft · 10 DOM
Sold · Nov ’25$305,000
10 CALLAO STREET · same community
4 bd · 2 ba · 2,145 sqft · $142/sqft · 24 DOM
Sold · 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.

Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 26085 CONCEPCION DRIVE — start here.

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.
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.
Keep looking
Similar homes nearby
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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