25499 TERRAIN LANE, PUNTA GORDA, FL, 33983
Active9 days on marketListed Jul 24, 2026MLS #C7528637
About this home
25499 TERRAIN LANE
Welcome to this meticulously maintained 3-bedroom, 2-bath pool home nestled in the highly sought-after deed-restricted community of Deep Creek in Punta Gorda. Offering an ideal split-bedroom layout with multiple living spaces, this home combines comfort, functionality, and Florida living at its finest. Step inside through the elegant French door entry to discover soaring vaulted ceilings, abundant natural light, and luxury vinyl plank flooring throughout. The spacious living and family rooms provide plenty of room to relax or entertain, while the updated kitchen is beautifully appointed with rich wood cabinetry, modern appliances, generous counter space, a pantry, and an oversized laundry room with additional storage. The primary suite is designed as a private retreat, featuring dual walk-in closets and an ensuite bath complete with double vanities, a skylight, linen closet, a walk-in shower, and an accessible soaking tub. Both guest bedrooms also offer walk-in closets, and the guest bathroom includes dual sinks, a skylight, and convenient lanai access. Designed for indoor-outdoor living, multiple sliding glass doors open to the expansive screened lanai where you'll find a heated pool which two heating options, both solar and heat pump, surrounded by paver decking and lush tropical landscaping accented by custom curbing. Three pocketing sliders create a seamless flow between the interior and outdoor entertaining spaces. Additional upgrades include a newer roof, paid-in-full solar panels for energy efficiency, new HVAC, updated water heater, accordion hurricane shutters for peace of mind, ceiling fans, wired security cameras, and neutral finishes throughout, making this home truly move-in ready. Deep Creek is known for its beautiful greenbelts, mature landscaping, and well-maintained deed-restricted setting. Residents enjoy close proximity to Deep Creek Community Park, featuring pickleball, tennis and basketball courts, a playground, picnic pavilions, and open green space. Golf enthusiasts will appreciate being just minutes from the public 18-hole Deep Creek Golf Club. Conveniently located near I-75, shopping, restaurants, medical facilities, waterfront parks, fishing, and boat ramps, this home offers the perfect combination of peaceful neighborhood living and easy access to everything Punta Gorda has to offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,011
Sqft
0.22 ac
Lot size
2
Garage
1988
Year built
One
Levels
$227
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.
$3,519 /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
$3,519/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
+19%
$/sqft vs Punta Gorda actives
$227 vs $206
Days on market
9 vs 59 typical
Where $227/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.
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)
177 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 510% 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 25499 TERRAIN LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$358,000
2194 PETERBOROUGH ROAD · same community
3 bd · 2 ba · 2,166 sqft · $165/sqft · 17 DOM
Sold · Aug ’25$367,500
2141 RIO DE JANEIRO AVENUE · same community
3 bd · 2 ba · 1,813 sqft · $203/sqft · 12 DOM
Sold · Oct ’25$345,000
26074 TEMPLAR LANE · same community
3 bd · 2 ba · 1,703 sqft · $203/sqft · 4 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 25499 TERRAIN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 25499 TERRAIN LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
25499 TERRAIN LANE FAQs
What would the monthly payment be for 25499 TERRAIN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,519/mo — principal and interest, the actual property-tax bill, the $18/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 25499 TERRAIN LANE?+
The association fee works out to $18 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 25499 TERRAIN LANE?+
The most recent tax bill on record (2025) was $5,354. 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 25499 TERRAIN LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $457,300, this home is listed about 33% 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 25499 TERRAIN LANE?+
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
$457,300 runs 510% above the PUNTA GORDA 33983 median — but at 2,011 sqft it's also 17% 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.
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 LPT REALTY, LLC · Patricia Upp. MLS #C7528637.
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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