
86 SANTAREM CIRCLE, PUNTA GORDA, FL, 33983
Active1 days on marketListed Aug 17, 2026MLS #C7529530
About this home
86 SANTAREM CIRCLE
SPACIOUS DEEP CREEK POOL HOME WITH A SPA, EXPANSIVE LANAI, AND 2024 ROOF! Offering 4 bedrooms, 2 bathrooms, a 2-car garage, and an impressive amount of indoor and outdoor living space, 86 Santarem Circle has all the makings of a fantastic Southwest Florida home. Inside, the layout feels OPEN AND GENEROUS, with multiple living and dining spaces providing plenty of room to spread out, gather, and entertain. At the center of it all is a LARGE KITCHEN with abundant cabinetry, extensive counter space, and NEW STAINLESS STEEL APPLIANCES INSTALLED IN 2026. Whether you're preparing dinner for two or entertaining a house full of guests, there's no shortage of workspace or storage. The PRIMARY SUITE is equally spacious and offers a true retreat from the rest of the home. TWO WALK-IN CLOSETS provide excellent storage, while the en-suite bathroom features DUAL VANITIES, a LARGE JETTED JACUZZI TUB, a WALL-MOUNTED TELEVISION to enjoy your favorite sports or movies, and a SEPARATE WALK-IN SHOWER. On the opposite side of the home, THREE ADDITIONAL BEDROOMS offer plenty of flexibility for family, guests, an office, or hobby space. The guest bathroom conveniently doubles as a POOL BATH with direct access to the lanai. One of the home's biggest highlights is the OUTDOOR LIVING SPACE. A POOL AND SPA sit beneath a LARGE SCREENED LANAI, creating a private setting for relaxing, entertaining, and enjoying the Florida weather. The pool is equipped with an INTELLIBRITE SYSTEM, offering customizable underwater lighting that can transform the pool area with vibrant colors and light displays after the sun goes down. An expansive COVERED PATIO provides plenty of room for outdoor dining and lounging, while still leaving generous screened space around the pool and spa. Just beyond the enclosure, an ADDITIONAL PAVER PATIO extends the outdoor living area even further. Important improvements add even more value, including a NEW ROOF IN 2024, NEW STAINLESS STEEL APPLIANCES IN 2026, and a MANABLOC PLUMBING SYSTEM. Located in the desirable deed-restricted DEEP CREEK COMMUNITY, this home puts you close to golf, shopping, dining, parks, and I-75 while keeping Punta Gorda and Port Charlotte within easy reach. With FOUR BEDROOMS, generous living spaces, a POOL + SPA, an oversized outdoor entertaining area, and major updates already completed, this home offers plenty of space and plenty of potential to make it your own.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,285
Sqft
0.22 ac
Lot size
2
Garage
1995
Year built
One
Levels
$175
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.
$3,018 /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
$3,018/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
−11.6%
Days on market
1 vs 63 typical
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 → $330K
Punta Gorda median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 471% above the PUNTA GORDA 33983 median. See the full Punta Gorda market guide →
Paper trail
This home's history
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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 86 SANTAREM CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 86 SANTAREM CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
86 SANTAREM CIRCLE FAQs
What would the monthly payment be for 86 SANTAREM CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,018/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 86 SANTAREM CIRCLE?+
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 86 SANTAREM CIRCLE?+
The most recent tax bill on record (2025) was $3,704. 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 86 SANTAREM CIRCLE?+
The listing reports pets: 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 $400,000, this home is listed about 18% above the Punta Gorda median of $339,945. The market section on this page shows how the area is trending.
Which schools are assigned to 86 SANTAREM CIRCLE?+
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
$400,000 runs 471% above the PUNTA GORDA 33983 median — but at 2,285 sqft it's also 36% 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 1 day on market in a Punta Gorda market that averages 63 — 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 GRANT TEAM REAL ESTATE, LLC · Christopher Grant. MLS #C7529530.
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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