Punta Gorda, Florida
Buying a Deep Creek Gardens condo? We read the budget, estoppel, master policy and FHA status before you write, and price from the 12 latest county sales. Call Marc at (239) 287-5873.
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McGreevy and Comisar lead Domain Realty Group, the #1 real estate team in Southwest Florida since 2012 and the #5 real estate team in Florida (RealTrends 2026). Top 1% Real Estate Agents Nationally Since 2008. Over $900 million in personal sales, and $2.5 Billion sold as Domain Realty Group.
This buyer’s guide is written for people shopping Deep Creek Gardens condos for sale who want the paperwork answered before the first showing, and Jesse McGreevy and Marc Comisar wrote it from the buyer’s chair. Deep Creek Gardens is a two-story condominium neighborhood of 199 units inside Deep Creek in Punta Gorda, Florida, with a Punta Gorda 33983 mailing address on land that is actually unincorporated Charlotte County. The buildings, the history and the permit file are laid out in our Deep Creek Gardens neighborhood guide. This page covers the purchase itself: what the 12 most recent unit sales closed at, why FHA financing is not the easy route here, what the association must hand you, how an estoppel certificate protects your money, what an HO-6 policy has to cover, and how a $135,000 condo compares with a detached house across Sandhill Boulevard. By Jesse McGreevy and Marc Comisar. Call Marc at (239) 287-5873 or Jesse direct at (239) 898-6072.
Updated October 2026.
A Deep Creek Gardens buyer should know six things first: all 199 units share one 860 square foot, two-bedroom plan; the county recorded 12 sales in the latest year at a $135,000 median; the complex is not on HUD’s FHA-approved list; fees come only from the budget and estoppel; and the buildings sit below Florida’s three-story inspection line.
Data updated: October 2026 (Charlotte County Property Appraiser recorded sales and 2026 certified roll, retrieved 28 Oct 2026; HUD Condominiums lookup, retrieved 28 Oct 2026; Charlotte County Tax Collector, 2025 bill for one unit, retrieved 28 Oct 2026).
Every point below comes from a public record cited later on this page. Several of them run against what a listing sheet for a unit at 25100 Sandhill Boulevard will tell you.
The sections run in the order a Deep Creek Gardens purchase actually unfolds: who we are, what units sell for, what you own, how you pay for it, which documents protect you, how to pick the right unit, what it costs to close and to hold, and how it compares with a house down the road.
McGreevy and Comisar are the Deep Creek Gardens buyer’s agents who read the condominium budget, the estoppel, the master insurance certificate and the unit’s own permits before you commit to a price. Jesse McGreevy and Marc Comisar are Top 1% Real Estate Agents Nationally Since 2008 and lead the #1 Team in Southwest Florida since 2012.
Data updated: October 2026 (Charlotte County Property Appraiser recorded sales and roll, retrieved 28 Oct 2026; RealTrends 2026 ranking as published).
At most condominiums a buyer’s agent earns the fee by sorting floor plans. Deep Creek Gardens has exactly one, so the work moves elsewhere. Our job is to tell you why two identical 860 square foot units closed $52,000 apart inside the same year, which of the two you are looking at, and what the association’s paperwork says about the building you would be buying into. A kitchen photographs well; a pending special assessment does not photograph at all. We read for the second kind of fact.
If you are interviewing more than one agent, our comparison of the best real estate agents in Punta Gorda lays out the yardsticks we would use ourselves: production you can verify, years in this market, reviews you can read, and whether the person who shows you the unit is the person who negotiates it. For a Deep Creek Gardens condo, add three questions of your own. Ask each agent whether the complex is on HUD’s FHA list. Ask what the 2025 tax bill on a unit there looked like. Ask how they would price a second-floor road-side unit against a first-floor lake-side one. The answers separate a condo specialist from a generalist quickly.
Honors do not lower a purchase price. What two decades of continuous production buys you is pattern recognition: knowing which estoppel lines lenders stop on, how a master policy deductible becomes an owner’s bill after a storm, and what a fair price looks like when twelve recent sales of the same floor plan are spread across a $52,000 band.
Marc leads buyer representation and negotiation for the team, and Jesse works alongside him on pricing and strategy. The person who walks Building G with you is the person who writes and negotiates your offer, with no handoff to a junior agent after the tour. Marc’s direct line is (239) 287-5873 and Jesse’s is (239) 898-6072. Our office is at 24031 S Tamiami Trl #101, Bonita Springs, FL 34134, and we meet Deep Creek Gardens buyers at the clubhouse or at the unit.
Jesse McGreevy (Sales Associate, Florida license SL3101296) and Marc Comisar (Broker Associate, Florida license BK3060671) are licensed Florida REALTORS® with Domain Realty. The Florida Real Estate Commission regulates licensees under Chapter 475 of the Florida Statutes, and the state’s public licensee search shows both licenses. Brokered by Domain Realty.
The record behind this Deep Creek Gardens guide is two-part: McGreevy and Comisar’s verified Southwest Florida production, over $900 million in personal sales and $2.5 billion as Domain Realty Group, and our own reading of every qualified Charlotte County sale of a Deep Creek Gardens unit, the 2026 certified roll and the association’s public filings.
Data updated: October 2026 (Charlotte County Property Appraiser sales file and unit records, retrieved 28 Oct 2026; Florida Division of Corporations, retrieved 28 Oct 2026; RealTrends 2026 ranking as published).
Domain Realty Group, the team Jesse and Marc lead, has closed over $2.5 billion in real estate, and the two of them account for more than $900 million in personal sales. RealTrends ranked Domain Realty Group the #5 real estate team in Florida for 2026, on 241 transactions and more than $157 million in volume, and the #1 team in Bonita Springs by volume and by transaction sides. Jesse and Marc bring more than 45 years of combined experience to a purchase, and those numbers read the same on every page we publish.
We tracked every qualified Charlotte County sale on the Deep Creek Gardens condominium through October 16, 2026, which is 273 qualified sales since February 2009, and we read the two newest ones straight off the unit cards because the county’s bulk sales file stops at September 9, 2026. We sorted the latest year by building, floor and the county’s two neighborhood codes. We read the 2026 certified values for all 199 units, one unit’s full 2025 tax bill, the association’s state corporate record, its public website and the HUD condominium lookup for both Punta Gorda ZIP codes. Every figure on this page traces to one of those records.
Before you see a unit we confirm its building letter, floor, county neighborhood code and 2026 certified value from the card. We look up the unit’s own permits for windows, air conditioning and water heater. We ask the listing agent for the budget, the question-and-answer sheet and the latest year-end financial statement, and we have the estoppel request ready to go the day the contract is signed. We get an HO-6 quote on that unit before the inspection period ends, not after. None of this costs you anything, and all of it has to happen inside the contract’s deadlines to be worth anything.
When a buyer asks us whether a Deep Creek Gardens unit is a good buy, the answer has three parts: where it sits against the 12 recorded sales, what the association’s documents say about the next five years of building costs, and what your own monthly number will be once taxes reset and the HO-6 is priced. If any of the three is unknown, the answer is not yet.
Deep Creek Gardens condos sold for a $135,000 median across 12 qualified Charlotte County sales from October 2025 to October 2026, between $113,000 and $165,000, or $156.98 per square foot on the county’s 860 square feet. The median has fallen from $184,000 in calendar 2023, so today’s buyer is pricing into a lower market.
Data updated: October 2026 (Charlotte County Property Appraiser recorded sales, read October 28, 2026: the county’s sales file runs through September 9, 2026, and the two later Deep Creek Gardens sales, September 24 and October 16, 2026, are taken from the Property Appraiser’s unit records; our analysis).
Charlotte County is a county-first market for us, because the local MLS sees only part of what sells there. The Property Appraiser’s qualified sales, deed codes 01 and 02 on improved units over $1,000, are the complete count. For Deep Creek Gardens that count is 12 for October 2025 to October 2026: a $135,000 median, a low of $113,000, a high of $165,000 and $1,628,000 in total volume. None of the twelve came from a developer. Each one was an owner selling to the next owner.
| Recorded | Price | Building | Floor | Price per sq ft |
|---|---|---|---|---|
| October 6, 2025 | $140,000 | G | First | $162.79 |
| October 27, 2025 | $165,000 | I | Second | $191.86 |
| November 24, 2025 | $130,000 | W | Second | $151.16 |
| January 20, 2026 | $135,000 | L | Second | $156.98 |
| March 2, 2026 | $142,500 | H | First | $165.70 |
| March 11, 2026 | $135,000 | S | Second | $156.98 |
| March 31, 2026 | $136,500 | J | Second | $158.72 |
| May 20, 2026 | $129,000 | B | First | $150.00 |
| June 16, 2026 | $132,500 | R | Second | $154.07 |
| July 10, 2026 | $113,000 | C | Second | $131.40 |
| September 24, 2026 | $151,500 | G | First | $176.16 |
| October 16, 2026 | $118,000 | J | Second | $137.21 |
Source: Charlotte County Property Appraiser sales file through September 9, 2026, plus unit records for the September 24 and October 16, 2026 sales; price per square foot on the county’s 860 square feet; our analysis.
Read the table the way a buyer should. The two lowest sales, $113,000 in Building C and $118,000 in Building J, were both second-floor units. The highest, $165,000 in Building I, was also on the second floor, which tells you floor alone does not set the price. Condition inside the unit, which no county card records, is what spread a single floor plan across $52,000.
Split the 12 sales and two patterns appear, both on small samples. The four first-floor units closed at a $141,250 median and the eight second-floor units at $133,750. The eight sales in the county’s lake-side neighborhood, code 36, closed at a $138,250 median and the four in the road-side neighborhood, code 33, at $129,500. Four sales is not a market, so treat these as the direction a seller’s agent will argue rather than a premium you must pay. They do line up with how the county itself values the two halves of the complex, covered further down.
Two of the 12 sales closed under $125,000, eight between $125,000 and $149,999, and two between $150,000 and $174,999. Nothing reached $175,000. Over the 60 months to October 2026 the story was different: 33 of 69 sales landed between $175,000 and $199,999, mostly in 2022 through 2024. The busiest band has dropped two steps, to $125,000 to $149,999. For a buyer that means the units you tour today are priced against a lower set of comparables than the ones the seller may remember paying against.
| Window or year | Qualified sales | Median | Range |
|---|---|---|---|
| 24 months to October 2026 | 18 | $139,950 | $113,000 to $180,000 |
| 36 months to October 2026 | 29 | $160,000 | $113,000 to $189,000 |
| 60 months to October 2026 | 72 | $175,500 | $113,000 to $234,000 |
| Calendar 2022 | 28 | $180,000 | Record high $234,000 on October 14, 2022 |
| Calendar 2023 | 14 | $184,000 | |
| Calendar 2024 | 10 | $178,750 | |
| Calendar 2025 | 8 | $152,500 | |
| Calendar 2026 through October 16 | 9 | $135,000 | |
| All history since February 2009 | 273 | $89,000 |
Source: Charlotte County Property Appraiser recorded sales and unit records, read October 28, 2026; our analysis.
Two things follow. First, the 2026 median sits about 27 percent below the 2023 calendar median, so a unit bought today is bought after the drop, not before it. Second, the all-history median of $89,000 is a reminder that this complex traded far lower before 2021. Nobody can tell you where the next leg goes, and we do not forecast it. We price your offer against the current record and leave the guessing to others.
The Property Appraiser’s 2026 certified roll, valued as of January 1, 2026, puts every unit in one of two tiers. The 135 units in the lake-side neighborhood (Buildings D through J, M through T, V and seven units in U) carry a just value of $127,925. The 64 road-side units (Buildings A, B, C, K, L, W, X, Y and unit U-204) carry $119,153. In 2025 every unit sat at $146,200, so the cuts were 12.5 percent and 18.5 percent, and the complex’s total value fell 14.4 percent to $24,895,667.
The 12-month sales median of $135,000 sits about 6 percent above the upper tier and about 13 percent above the lower one, so recent sales have closed above the county’s 2026 value. The county’s figure is a mass-appraisal estimate for taxation as of January 1, not an appraisal of a particular unit, and a lender’s appraiser will work from the sales, not from the roll.
The county record carries the price and the date. It does not carry how long a unit sat, what it was listed at, or how the buyer paid. On the Southwest Florida MLS, one Deep Creek Gardens unit closed in the 12 months to October 29, 2026: a first-floor unit in Building B, listed at $145,000, sold on October 27, 2026 for $140,000 after 56 days on market, 96.6 percent of its list price; the county record above is complete through October 16, 2026, so that sale is not yet in it. The financing mix behind those 12 closings, cash against conventional against any FHA single-unit approval, is not in the county file or the Southwest Florida MLS export we hold. Information not available at time of publishing (checked 2026-11-10).
For context only, the Southwest Florida MLS “Deep Creek” development label, 12 months to October 29, 2026, showed 34 closings at a median 76 days on market and 96.2 percent sold-to-list. That is a Deep Creek-wide MLS figure; only one Deep Creek Gardens unit was in that set, because most units here are listed under Port Charlotte, under phase names or with no development label, so a buyer searching the label sees few of them.
Most neighborhoods muddy price per square foot with different floor plans and county records that disagree with listing sheets. Deep Creek Gardens has one number, 860, on every card, so $156.98 is a straight comparison. If a listing advertises a different square footage, we price on the county’s 860. Across all of Deep Creek, 54 condominium and townhome sales recorded a $155,000 median in the 12 months to September 2026, so Deep Creek Gardens sits a little under the community’s attached median.
When you buy at Deep Creek Gardens you own one condominium unit, an 860 square foot, two-bedroom apartment in a two-story building, plus an undivided share of the common elements: the land, the building shells and roofs, the clubhouse, the pool, the courts and the lakes. The association, not you, maintains and insures what is shared.
Data updated: October 2026 (Charlotte County Property Appraiser unit and common-element records, retrieved 28 Oct 2026; Florida Department of Business and Professional Regulation condominium register; Deep Creek Gardens Condominium Association website, retrieved 28 Oct 2026).
A Chapter 718 condominium splits ownership in two. Inside the walls, the unit is yours: finishes, cabinets, appliances, flooring and, depending on the declaration, the air-conditioning equipment and water heater serving it. Outside, the roof, structure, exterior walls, stairs, grounds and amenities belong to all owners together and are run by Deep Creek Gardens Condominium Association, Inc. The declaration draws the exact line, and it is the first document we read with a buyer.
The units sit at one street address, 25100 Sandhill Boulevard, Punta Gorda 33983, in 25 buildings lettered A to Y. First-floor units are numbered 101 to 104 and second-floor units 201 to 204, which puts 99 units downstairs and 100 upstairs. Buildings A through F, 48 units, date from 1986. Buildings G through Y, 151 units, date from 1987. The common-element parcel holding the clubhouse, pool and courts covers 7.68 acres.
The state’s condominium register lists the project as 200 units, while the county roll and the association’s own website both say 199. Unit X-104 is the association’s office address, and the county roll carries seven residential units in Building X. The unit count is 199.
Deep Creek Gardens Condominium Association, Inc. is an active Florida not-for-profit corporation, document N15644, filed June 27, 1986, with amended and restated articles filed April 8, 2004 and a 2026 annual report filed March 18, 2026. Its registered agent is a Sarasota community-association law firm. The association lists its phone on its own website as 941-629-4779, and its office is at Unit X-104. The state register names the association itself as the managing entity rather than an outside management company, so estoppel and document requests go to the association office.
The association’s public website describes “a 199 unit condominium complex” a few miles off Exit 170 of Interstate 75, with “both full-time and seasonal residents.” It lists the on-site amenities, posts a calendar and a book club, and gives owners a login. The budget, rules, leasing terms and pet terms are not on the public pages, which is why the resale disclosure package matters so much here.
A buyer who already knows that all 199 Deep Creek Gardens units share one 860 square foot plan, that the last 12 county-recorded sales centered on $135,000, and that the complex is not on HUD’s FHA list is ahead of most of the people touring at 25100 Sandhill Boulevard. Within Deep Creek, that is the cheapest way in on the county record. Next, book your Deep Creek Gardens buyer consultation, read how we represent buyers across Southwest Florida, or call Marc at (239) 287-5873. If you own a unit here or elsewhere that has to sell first, see what your Deep Creek Gardens condo is worth or call Jesse direct at (239) 898-6072.
Deep Creek Gardens is not on HUD’s FHA-approved condominium list as of October 28, 2026; FHA buyers would need a single-unit approval, so most buyers use conventional loans or cash. Plan financing around that before you choose a unit, because it shapes both your loan and your competition.
Data updated: October 2026 (HUD Condominiums lookup, ZIP codes 33983 and 33950, all statuses, retrieved 28 Oct 2026).
We searched HUD’s Condominiums lookup for ZIP 33983 with every approval status included. It returned eight projects in that ZIP: Lake Shore of Charlotte County, Lakeview III at Heritage Lake Park, Lakeview IV at Heritage Lake, Links Edge, New Port Golf and Country Club, Newport I, Players Club and The Pines at Deep Creek. Deep Creek Gardens was not among them. A search of ZIP 33950, the in-city Punta Gorda code, returned no Deep Creek or Sandhill Boulevard project either.
FHA can still insure a loan on a unit in a project without approval through a single-unit approval, where the lender documents the project against HUD’s requirements for that one loan. It is a real path, but a narrower one: not every lender offers it, the project has to answer the lender’s questions, and the paperwork adds time. If you are counting on FHA’s lower down payment, talk to a lender who handles single-unit approvals before you tour, and build the extra days into your contract.
Listing remarks sometimes describe a condo as FHA acceptable. A listing remark is the seller’s agent’s statement, not HUD’s. The HUD lookup is the record, and for this complex on October 28, 2026 it did not show the project. We never repeat an FHA claim from a listing without checking HUD first.
The Pines at Deep Creek, the smaller condominium next door at 25050 Sandhill Boulevard, does appear in HUD’s lookup, with a history of single-unit approval activity. If FHA is the deciding factor for you and you want this stretch of Sandhill Boulevard, that is a comparison worth making, keeping in mind that it is a separate association with its own budget and documents.
Fewer FHA buyers means fewer competing offers from the buyers who most need low down payments. For a conventional or cash buyer, that can mean a calmer negotiation on a unit that has been listed a while. For a seller it means a smaller pool, which is part of why recent sales cluster where they do. We would not call it a discount. We would call it one reason the market here moves at the pace it does.
VA keeps its own condominium approval records, separate from HUD’s FHA list. VA status was not part of our October 28 check, so a VA buyer’s lender should search VA’s condominium report for the project before you write an offer.
Most Deep Creek Gardens purchases are financed conventionally or paid in cash. A conventional lender reviews the project as well as you: Fannie Mae’s standards look for critical repairs, recent inspection reports, special assessments and owner delinquency. The project’s Fannie Mae status is not public, so your lender must check it for your loan.
Data updated: October 2026 (Fannie Mae Selling Guide B4-2.1-01, B4-2.1-03 and B4-2.2-02, retrieved 28 Oct 2026; Freddie Mac Primary Mortgage Market Survey, October 29, 2026; FHFA 2026 conforming limit).
A conventional lender selling to Fannie Mae reviews the condominium project, not only the borrower. Fannie Mae’s Selling Guide treats a project as ineligible while it needs critical repairs, including any project that has failed a required structural inspection, and it asks lenders to look at inspection reports completed in the last three years. A full project review also looks at the budget, insurance, any special assessment and how many owners are behind on their dues, with a 15 percent delinquency test. Your lender will send the association a project questionnaire, and its answers decide the loan.
The county’s permit file shows closed permits to tear off and replace the roofs on all 25 buildings and the clubhouse in July and August 2023. A three-year-old roof is the kind of fact that keeps a project questionnaire short. It does not settle the review on its own, because the lender will still ask how that roof was paid for, what reserves remain and whether any assessment is outstanding. We ask those questions in writing before the lender does.
Buyers often ask whether a condo is warrantable, the shorthand for meeting Fannie Mae and Freddie Mac project rules. Deep Creek Gardens’ status in Fannie Mae’s Condo Project Manager is not public, and a project’s status can change with a single board decision or a new special assessment. Only the lender’s review for your loan answers it, so we neither promise it nor rule it out.
At a $135,000 median, cash is a realistic option for many buyers here, especially seasonal owners selling a larger home up north. A cash buyer skips the project review and the appraisal contingency, which makes an offer cleaner. Cash does not skip due diligence. The budget, the estoppel and the master insurance certificate matter just as much when there is no lender asking for them.
Freddie Mac’s survey put the 30-year fixed average at 7.24 percent on October 29, 2026. At that rate, principal and interest on a $108,000 loan, 80 percent of the $135,000 median, comes to about $736 a month before tax, insurance and the condominium fee. That is our arithmetic, not a loan quote, and the survey moves weekly, so check the current figure. Every Deep Creek Gardens sale in the last year was far under the 2026 conforming limit of $832,750, so loan size is never the issue here. The project review is.
Lenders price a loan differently depending on whether you will live in the unit, use it as a second home, or rent it. Tell the lender the truth about your plans at application, and read the leasing rules in the association’s documents before you choose the investment route. Any minimum or maximum lease term is set by the declaration and rules, so a rental plan waits on those documents.
Owning a Deep Creek Gardens condo costs the condominium fee set in the association’s budget, Charlotte County property tax at your own post-purchase value, about $622 a year of county non-ad valorem charges on one unit’s 2025 bill, an HO-6 policy and FPL electric. The fee and any special assessment come only from the budget and estoppel.
Data updated: October 2026 (Charlotte County Tax Collector, 2025 bill for unit G-104, retrieved 28 Oct 2026; Charlotte County Property Appraiser 2026 certified roll, retrieved 28 Oct 2026).
The fee is set every year by the board in the adopted budget and changes with insurance, reserves and repairs. We print no fee as fact, because the association does not publish its budget on its public pages and a listing agent’s entry is not the association’s statement. Ask for the association’s own figure in writing. Your figure comes from three documents: the current budget, the question-and-answer sheet the association must prepare under section 718.504, and the estoppel certificate under section 718.116, which states what is owed on your unit as of a date.
| Line on the 2025 bill, unit G-104 | Amount |
|---|---|
| Millage, tax district 104 (unincorporated Charlotte County) | 15.0855 mills |
| Ad valorem tax on a $146,200 non-homestead taxable value | $2,205.50 |
| Charlotte County Sanitation Unit | $324.64 |
| Charlotte County Fire Rescue | $278.20 |
| Deep Creek (Non-Urban) Street and Drainage maintenance | $15.25 |
| Mid-Charlotte Stormwater Utility | $3.80 |
| Non-ad valorem charges, total | about $622 |
Source: Charlotte County Tax Collector, tax year 2025, unit G-104, read October 28, 2026. This is one unit’s 2025 bill. The 2026 bill is not issued until November 2026 and will reflect the lower 2026 values; amounts can differ by unit.
Deep Creek’s Non-Urban Street and Drainage Municipal Service Benefit Unit funds roads and drainage maintenance across the community, and the 2025 bill above shows it applies to Deep Creek Gardens units: $15.25 on that unit. The county’s adopted Deep Creek Street and Drainage budget sets the benefit unit’s rate at $305 per equivalent residential unit for FY2026 and FY2027 (Charlotte County, Deep Creek FY26 adopted and FY27 approved budget), but neither that budget nor the unit’s annual report states how many equivalent residential units a condominium unit carries, so the line on the unit’s own bill is the figure to use. It rides on the county tax bill, so it prorates at closing with the property tax and is paid through your escrow account if you have one.
Do not budget from the seller’s bill. Florida resets a property’s assessment after a change of ownership, so your tax will follow the county’s market value in the year after you buy, less any exemption you qualify for. As a rough guide only, the 2026 final rate of 15.3705 mills (15.0855 in 2025) applied to a $135,000 value is about $2,075 of ad valorem tax, plus the roughly $622 of non-ad valorem lines, about $2,697 a year before any homestead exemption. That is our arithmetic; your actual assessed value will set the real number.
The association’s master policy covers the buildings. You insure the inside of your unit, your belongings, your liability and your share of any loss the association assesses to owners, through an HO-6 policy. Premiums vary unit by unit with the interior, the floor, the window protection and the deductible you choose, so we get a quote on the specific unit during the inspection period rather than guess at a typical figure.
Florida Power and Light supplies electricity, metered to each unit. Whether water and sewer, trash, cable or internet are billed through the association or to each owner is a budget question, and it changes the comparison between two units with different fees. Ask before you compare.
| Monthly item, $135,000 purchase with 20 percent down | Amount | Basis |
|---|---|---|
| Principal and interest on $108,000 | about $736 | 7.24 percent, 30-year fixed, Freddie Mac survey of October 29, 2026; our arithmetic |
| Property tax and county non-ad valorem lines | about $222 | About $2,658 a year, our arithmetic on 2025 millage, before homestead |
| Condominium fee | From the budget and estoppel | Not published by the association |
| HO-6 premium | Quoted on the unit | Varies by unit and deductible |
| Electric | Metered | Florida Power and Light |
At this price, the fee and the insurance can approach or pass the mortgage payment, which is why we put the full monthly number in front of a buyer before an offer, not after.
Before an offer at Deep Creek Gardens, get the current budget, the latest year-end financial statement, the question-and-answer sheet, the rules covering leasing and pets, the declaration with every amendment, the master insurance certificate and the latest replacement-cost appraisal, recent board minutes, and a written answer on any special assessment. Then order the estoppel.
Data updated: October 2026 (Florida Statutes 718.503, 718.504, 718.111 and 718.110, 2026 texts, retrieved 28 Oct 2026; Deep Creek Gardens Condominium Association public website, retrieved 28 Oct 2026).
Section 718.503 of the Florida Statutes gives a buyer from a resale seller the right to the declaration, articles, bylaws and rules, the most recent year-end financial statement and annual budget, and the question-and-answer sheet. If you sign before receiving them, the contract is voidable by you for seven days after you receive them, not counting weekends and legal holidays, and that right ends at closing. The practical lesson is simple: get the package first, sign second, and the seven days become a formality rather than a scramble.
Section 718.504 requires the association to prepare a plain-language question-and-answer sheet. It is the fastest place to find the leasing limits, pet limits, the assessment amount and any pending litigation, and it is the document most buyers never ask to see. At Deep Creek Gardens, where the public website stops short of the rules, it does a lot of work.
The budget shows the fee and what it pays for, line by line: insurance, maintenance, utilities if any, management, and the reserve contributions. The year-end statement shows whether last year’s budget held. Read the two together. A budget that has been underfunding reserves for years, or an insurance line that jumped, tells you where the next fee increase or special assessment is likely to come from.
Section 718.111(11) requires the association to carry adequate property insurance on the condominium property and to base it on a replacement-cost appraisal at least every 36 months. Ask for the master policy’s certificate or declarations page, the wind deductible, the flood coverage if any, and the date of the latest appraisal. Your HO-6 quote depends on the deductible, and your lender’s review depends on the coverage.
The declaration of condominium is recorded in the Charlotte County Official Records, with phase amendments from 1986 and 1987 and later changes. It states what you own, what you maintain, how assessments are shared, how leasing and pets are limited and whether the association approves buyers. Under section 718.110(13), an amendment that bans rentals or changes rental terms binds only owners who consent and owners who take title after it takes effect, so the date on any leasing amendment matters to an investor.
Minutes are where special assessments are discussed before they are voted. A board that has been talking about painting the buildings, repaving the parking lot or adjusting insurance for six months will usually have said so in the minutes. Ask for the last twelve months.
Listing remarks are not a source for leasing, pet or age rules at Deep Creek Gardens, and we do not repeat them. The declaration, the rules and the question-and-answer sheet state any lease minimum or maximum, any pet limit for owners or tenants, and whether any age restriction applies, and we treat each as an open question until those documents answer it. If a pet, a rental plan or an age question decides your purchase, it goes in writing before the inspection period ends.
The estoppel certificate protects a Deep Creek Gardens buyer by stating, in a document the association is bound by, exactly what is owed on the unit: regular assessments, any unpaid balance, any special assessment and other charges, as of a stated date. Your title company relies on it to pay the association at closing, so surprises stay with the seller.
Data updated: October 2026 (Florida Statutes 718.116 and 718.112, 2026 texts; Florida Department of Business and Professional Regulation estoppel fee schedule; retrieved 28 Oct 2026).
Under section 718.116, the association issues the estoppel on request, and the buyer and title company can rely on what it says. It lists the regular assessment and how often it is due, any amount past due, any special assessment levied and its schedule, and other charges tied to the unit. If the association understates a balance, it generally cannot come back to the new owner for the difference.
We order it the day the contract is signed, through the title company, so it arrives well inside the inspection period. Coming back late is how buyers discover a special assessment after the point where it can still be negotiated. With no outside management company named on the state’s register, requests go to the association office at 25100 Sandhill Boulevard.
Section 718.116(8)(f) caps the fee at $250, plus $100 if expedited and up to $150 more if the account is delinquent, and section 718.116(8)(i) adjusts those caps for inflation every five years; the Florida Department of Business and Professional Regulation’s current published amounts are $299, $119 and $179, with the next update due by July 1, 2027. Who pays the fee between buyer and seller is set by the contract, so read the closing-cost paragraph before you sign rather than after.
Many Florida condominiums approve buyers and tenants. Section 718.112 caps what an association may charge for a transfer or approval application, per applicant, with a married couple treated as one applicant. Whether Deep Creek Gardens requires approval, and how long it takes, is in its declaration; we put that timeline into the contract so the approval cannot strand your closing date.
When the estoppel arrives, we check four things against the contract: the assessment matches what the budget and the listing said; nothing is past due that the seller has not agreed to clear; any special assessment is identified and allocated between buyer and seller in writing; and the fees on the certificate match what the contract assigns to each side.
Florida’s milestone inspection and structural integrity reserve study laws start at buildings three habitable stories or higher, and Deep Creek Gardens has two-story buildings, below the three-story line that triggers Florida’s milestone inspection and structural integrity reserve study laws; confirm building height in the declaration. Ordinary reserve rules still apply.
Data updated: October 2026 (Florida Statutes 553.899 and 718.112, 2026 texts; DBPR SIRS reporting databases; retrieved 28 Oct 2026).
Section 553.899 applies the milestone inspection to “a building that is three habitable stories or more in height” in condominium or cooperative ownership, by December 31 of the year it turns 30 and every 10 years after. Section 718.112(2)(g) applies the structural integrity reserve study to “each building on the condominium property that is three habitable stories or higher in height.” Both laws draw the same line, and both are aimed at the mid-rise and high-rise buildings that dominated the reforms after 2021.
Every building here has units numbered 101 to 104 on the ground and 201 to 204 above, and nothing higher. The county records each unit on one floor, and the association pulled permits in 2024 to replace the exterior stair railings on all 25 buildings, which is how a two-story walk-up is reached. On the county and permit record, the buildings are two stories. The declaration states the height, and it is the document that closes the question for your purchase.
Being below the line does not take an association out of Chapter 718. Section 718.112(2)(f) still requires reserves for roof replacement, building painting and pavement resurfacing, plus any other item with a deferred maintenance or replacement cost over $25,000, unless the owners vote to waive or reduce them. That vote is legal for a non-SIRS association. What it means for you is a question for the budget: a waived reserve today can become a special assessment later.
The Department of Business and Professional Regulation keeps two public databases of SIRS filings, one for reports submitted before July 2025 and one after. Deep Creek Gardens does not appear in either, which is what a two-story complex would expect. Three-story condominiums in the same ZIP code do appear, which is the height rule working as written.
Across Florida, many three-story and taller condominiums have faced large special assessments to fund studies, inspections and the reserves those studies demand. A buyer choosing between a two-story Deep Creek Gardens unit and a three-story condominium a few miles away is choosing between two different statutory cost profiles. That is a real line in a buyer’s analysis, and it is one reason we start the conversation here rather than with paint colors.
No state report is coming for these buildings, so your own inspection carries more weight. Ask the inspector to look at the stairs and landings, the second-floor walkways, the exterior walls and windows of your unit’s building, and any sign of water entry around the unit. Pair that with the association’s permit history and the board minutes, and you have a fuller structural picture than many buyers of larger buildings get from a milestone report.
Insure a Deep Creek Gardens condo with an HO-6 unit-owner policy covering your interior, contents and liability, plus loss-assessment coverage at least equal to your share of the master policy’s wind deductible. The association insures the buildings. Flood coverage is optional in Zone X for most loans, but Citizens policyholders face a flood-coverage requirement.
Data updated: October 2026 (Florida Statutes 718.111 and 627.351; Citizens Property Insurance flood coverage rules; FEMA National Flood Hazard Layer; retrieved 28 Oct 2026).
Section 718.111(11) and the declaration split the risk. The master policy covers the condominium property, generally the structure and what the declaration assigns to the association. The HO-6 covers what the declaration leaves to the owner, typically interior finishes, cabinets, fixtures and improvements, plus your belongings and liability. Read the declaration’s insurance article with your agent so the two policies meet with no gap between them.
After a hurricane the association pays its wind deductible first, and it can pass that cost to owners as an assessment. A typical Florida master policy deductible is a percentage of the insured value, which can be a large dollar figure spread across 199 units. Loss-assessment coverage on your HO-6 pays your share up to the limit you buy. Ask for the master policy’s deductible, divide it by the unit count as a rough guide, and set the limit above that figure.
Florida law now ties Citizens wind and property coverage to flood coverage, phased in by replacement cost, with the last group required by January 1, 2027. If your HO-6 comes from Citizens, ask your insurance agent whether a flood policy is required for your unit and price it before closing. For a second-floor unit in Zone X a flood policy is usually modest, but required is required.
The association permitted hurricane shutters on every building in 2006, and since 2022 owners have permitted their own window replacements, some with impact glass and some with non-impact glass relying on the building shutters. For your HO-6 and your peace of mind, know which your unit has. The unit’s permit history in the county’s Accela system answers it in minutes.
Florida’s My Safe Florida Home program has offered inspections and grants, and recent legislation added a condominium component. Its rules change with each funding round and generally require an existing homestead, so a buyer at closing usually cannot use it. Check the program’s current terms once your homestead is in place.
Deep Creek Gardens is in FEMA Zone X, the area of minimal flood hazard, on panel 12015C0068G effective December 15, 2022, in Charlotte County Evacuation Zone D, on ground about 25 feet above sea level. Its storm history is wind: Hurricane Charley’s 2004 roof damage, then 2006 shutters and the 2023 re-roof.
Data updated: October 2026 (FEMA National Flood Hazard Layer and the Property Appraiser’s unit card, re-confirmed 28 Oct 2026; Charlotte County evacuation layer; USGS Elevation Point Query Service).
The FEMA reading on the county’s own card for a Deep Creek Gardens unit, re-checked October 28, 2026, is Zone X, outside the Special Flood Hazard Area, on FIRM panel 12015C0068G. Zone X is outside the federal mandatory-purchase rule, so a federally backed loan does not require flood insurance here, though a lender may still ask for it. Heavy rain can flood outside any mapped zone, and the map is not a promise.
Charlotte County’s storm surge evacuation layer places the complex in Zone D, the fourth of five zones, which means evacuation orders reach it later than coastal areas. The USGS elevation service reads about 25 feet of ground at the center of the complex. Ground elevation is not a floor elevation, but it is part of why the storm record here is about wind rather than water.
Section 689.302 of the Florida Statutes requires a residential seller to give a flood disclosure at or before the contract, and 2025 amendments widened it to any flooding during the seller’s ownership and any federal flood assistance received. Ask for it with the offer. On a two-story Zone X condominium the answer is usually short, which is itself worth having in writing.
Charlotte County holds a Class 5 rating in FEMA’s Community Rating System, worth a 25 percent discount on National Flood Insurance Program premiums, according to FEMA’s April 1, 2026 list. If you choose or need a flood policy, that discount applies.
Hurricane Charley crossed Charlotte Harbor on August 13, 2004. The permit record at Deep Creek Gardens shows its aftermath: storm-damage re-roof permits for 23 buildings in November 2004 and dozens of interior drywall permits in early 2005, most on the second floor. In 2006 the county permitted hurricane shutters on every building. In 2023 the roofs on all 25 buildings and the clubhouse were replaced again, and in 2024 the stair railings followed.
A complex that has been through a direct hit, rebuilt and then re-roofed again within the last three years has a different risk profile from one still on 20-year-old shingles. The record does not tell you how each unit’s interior fared in later storms. For that, ask for the unit’s own permits and the seller’s claim history.
Choose a Deep Creek Gardens unit in four passes: floor first, then the county’s lake-side or road-side neighborhood, then the building’s age and the unit’s window protection, then condition and furnishings. With one floor plan in every building, those four choices explain nearly all of the $52,000 spread in the last year’s sales.
Data updated: October 2026 (Charlotte County Property Appraiser recorded sales, unit records and 2026 certified roll, retrieved 28 Oct 2026; Charlotte County building permits).
Ground-floor units, numbered 101 to 104, put you a step from the walkways, the grounds and in many buildings the lake, with no stairs to climb with groceries or luggage. Upstairs units, 201 to 204, give you nobody overhead, more privacy from the walks and usually a better outlook. In the latest 12 months the four first-floor sales had a $141,250 median against $133,750 for the eight upstairs, a gap we would not lean on with so few sales. No elevator appears on the county cards, so a buyer who cannot manage exterior stairs should limit the search to the first floor.
The Property Appraiser splits the complex into two neighborhood codes and values them differently. Code 36 holds Buildings D through J, M through T and V, plus seven units in U, and carries $127,925 per unit for 2026. Code 33 holds Buildings A, B, C, K, L, W, X, Y and unit U-204, at $119,153. The lake-side group sold at a $138,250 median over the last year and the road-side group at $129,500. The lakes are the complex’s own, with fountains, and they are scenery and drainage rather than boating water.
Buildings A through F were finished in 1986 and G through Y in 1987, a difference that rarely matters by itself after the 2023 re-roof. What does matter is the unit’s openings. The 2006 building shutter permits cover every building, and owners have replaced windows since 2022 under their own permits, some with impact glass. A unit with permitted impact windows is easier to insure and easier to leave for the summer.
Here the floor plan’s sameness helps you. Two units with identical cards are directly comparable, so the questions are concrete: the age of the air-conditioning system and water heater, the kitchen and baths, the flooring, and whether the porch is enclosed. Many seasonal sellers offer units furnished. Furniture has little value to an appraiser, so price the unit as real estate and treat the furniture as a convenience that can be negotiated separately.
Every Deep Creek Gardens unit has a permit trail in Charlotte County’s Accela system: air conditioners, water heaters, plumbing and windows. A permit with a final inspection dates a system better than any listing remark. An open or expired permit is something to resolve before closing.
When two units are close on price, we favor the one whose systems and windows are newer on the permit record over the one with the newer kitchen. Cabinets are a weekend’s decision. A failing air handler in August, or an uninsurable window, is not.
Deep Creek Gardens works for both, and its owners prove it: 76 of 199 units (38.2 percent) carry a Florida homestead exemption on the 2026 roll, and 88 owners receive their tax notice outside Florida, led by New York, Connecticut and Michigan. The association itself describes both full-time and seasonal residents.
Data updated: October 2026 (Charlotte County Property Appraiser 2026 certified roll, owner mailing fields, retrieved 28 Oct 2026; Deep Creek Gardens Condominium Association website).
The 2026 roll shows 111 owners with a Florida mailing address and 88 outside it: New York 17, Connecticut 10, Michigan 9, Massachusetts 8, Ohio 8, Ontario 7 and Pennsylvania 6, with smaller numbers from other states and one in the United Kingdom. Only three units are held by companies. Whatever your plan, you will be buying into a building where some neighbors are home year-round and others arrive with the cold weather up north.
The case for a seasonal buyer is that the association maintains the roof, exterior, grounds and pool while you are away. The practical checklist is still yours: someone with a key to check the unit after storms, a thermostat and dehumidification plan for the summer, the water shut-off routine the association expects, and an HO-6 policy that does not lapse on a vacant unit. We walk seasonal buyers through those questions before closing, not in June.
A buyer who makes the unit a permanent Florida residence on January 1 can file for homestead with the Charlotte County Property Appraiser by March 1. The exemption lowers the taxable value and starts the Save Our Homes cap on future increases. The roll’s 76 homestead units show a $109,585 median assessed value for 2026 against $127,925 for the others, which is the cap at work.
Leasing terms at Deep Creek Gardens are set by the declaration and the rules, which are not on the association’s public pages. Any lease minimum, maximum or approval step decides whether a unit suits a winter tenant, an annual tenant or neither, and under section 718.110(13) a later rental amendment binds only owners who consent and owners who take title after it takes effect. If rental income is part of your math, make the documents a condition of the offer.
No age restriction appears in any public record we read for Deep Creek Gardens. Only the declaration can impose housing-for-older-persons status, so confirm it there. Fair-housing law, not a listing, governs who may buy.
A financed Deep Creek Gardens buyer pays Florida’s mortgage documentary stamp tax of 35 cents per $100, the 2-mill intangible tax on the loan and Charlotte County recording fees, plus lender, title search and lender’s policy, inspection, prorated tax and condominium charges. On a $108,000 loan the two state taxes total $594.
Data updated: October 2026 (Florida Statutes 201.08, 199.133 and 201.02; Charlotte County Clerk recording fees; retrieved 28 Oct 2026).
Section 201.08 sets the documentary stamp tax on a recorded mortgage at $0.35 per $100 of the amount secured. Section 199.133 adds a one-time intangible tax of 2 mills on the loan. A cash buyer pays neither. The deed stamp of $0.70 per $100 under section 201.02 is customarily the seller’s cost in Florida, with the contract deciding.
| Item, $135,000 purchase with 20 percent down | Amount | Basis |
|---|---|---|
| Loan amount | $108,000 | 80 percent of the 12-month median |
| Mortgage documentary stamp tax | $378 | $0.35 per $100 of $108,000 |
| Intangible tax | $216 | 2 mills on $108,000 |
| State taxes on the loan | $594 | Sum of the two |
| Recording | $10.00 first page, $8.50 each added page | Charlotte County Clerk |
This is our arithmetic from statutory rates, not a closing estimate. Your lender’s Loan Estimate and the title company’s settlement statement are the documents that bind.
In Lee and Charlotte counties the seller customarily pays for the owner’s title policy, while the buyer pays for the lender’s policy on a financed purchase. The contract has a box for it, and the contract controls, so we read that box with you before you sign.
Expect the estoppel fee, allocated by the contract, and any purchaser approval application fee the association charges, which section 718.112 caps per applicant. If a special assessment is levied, the contract and the estoppel decide whether the seller pays it off at closing or you take it over, and that is a negotiating point we settle in writing.
Florida property taxes are paid in arrears, so the seller credits you for the part of the year they owned the unit, and the county’s non-ad valorem lines, including the street and drainage charge, prorate with the tax. The condominium fee prorates for the month of closing, and the estoppel confirms what has been paid through when.
Budget for a general inspection of the unit, a four-point if your insurer asks for one on a 1986 or 1987 building, and a wind-mitigation report for the unit’s openings. A wood-destroying organism inspection is common on Florida purchases. A survey is rarely needed for a condominium unit, but your lender or title company will tell you.
Property taxes at Deep Creek Gardens reset after a purchase: the seller’s cap and exemptions do not transfer, so your first full bill follows the county’s market value, taxed by unincorporated Charlotte County district 104. Homestead, filed by March 1 if the unit is your permanent residence on January 1, then limits future increases.
Data updated: October 2026 (Charlotte County Property Appraiser exemption and Amendment 3 pages; Florida Statutes 193.155, 196.031 and 689.261; retrieved 28 Oct 2026).
A homestead seller’s assessed value can sit well under the county’s just value because of Save Our Homes. The roll’s homestead units at Deep Creek Gardens show a $109,585 median assessed value against a $127,925 just value. That gap disappears for you the year after you buy, and section 689.261 requires your contract to warn you not to rely on the seller’s taxes.
The 2026 certified values, $127,925 and $119,153, are about 12.5 and 18.5 percent below 2025’s $146,200. The 2026 tax bills arrive in November 2026; a closing after they issue prorates on the new, lower values, and an earlier closing usually prorates on the 2025 bill as the contract provides. Your own value for the following year will be set by the county from the sales market as of January 1.
To claim homestead you must hold title, be a Florida resident and occupy the unit as your permanent home on January 1, then file with the Charlotte County Property Appraiser by March 1. The exemption is $25,000 on all levies plus an additional exemption indexed to inflation on non-school levies under section 196.031. On one homestead unit’s 2026 card that additional amount was $26,411.
If you are leaving a Florida homestead, you may carry part of its Save Our Homes benefit to a Deep Creek Gardens unit if you establish the new homestead within three years of January 1 of the year you left the old one, filing Form DR-501T by March 1. On a $135,000 purchase the transferable amount is limited by the new value, so ask the Property Appraiser for an estimate before you rely on it.
Amendment 3 passed on November 3, 2026 with 61.99 percent yes on the Florida Division of Elections' unofficial count (60 percent was needed; Florida Election Watch, Amendments). The Charlotte County Property Appraiser describes it as raising the non-school homestead exemption and lowering the non-homestead assessment cap, with the changes phasing in from January 1, 2027, and notes it does not touch non-ad valorem assessments, so the county lines on a Deep Creek Gardens bill stay as they are.
Choose Deep Creek Gardens if you want the lowest entry price in Deep Creek, about $135,000, with the roof, exterior and pool maintained by an association. Choose a single-family home in Deep Creek Section 23, about $352,500, if you want land, a garage, often a pool of your own, and a $205 yearly association charge instead of a monthly condo fee.
Data updated: October 2026 (Charlotte County Property Appraiser public records, retrieved 28 Oct 2026; Deep Creek Gardens window October 2025 to October 16, 2026; Section 23 window September 10, 2025 to September 9, 2026; Section 23 association FAQ; Charlotte County FY25 street and drainage report; HUD Condominiums lookup).
These are the two cheapest ways to own in Deep Creek on the county record, and they are different products. Deep Creek Section 23 is the single-family part of the Punta Gorda Isles Section 23 plat, south of Sandhill Boulevard, home to Deep Creek Golf Club and Deep Creek Park. Deep Creek Gardens sits on the north side of the boulevard. Every figure below carries its own window, because the two were measured over different dates.
| Decision factor | Deep Creek Gardens | Deep Creek Section 23 home |
|---|---|---|
| What you own | A two-bedroom condominium unit and a share of the common elements | A detached single-family house and its lot |
| Size | 860 sq ft on every county card | 2,042.5 sq ft median living area of the housing stock (2026 roll) |
| Homes in the neighborhood | 199 units | 2,436 single-family homes (2026 roll) |
| Recorded qualified sales, 12 months | 12 (October 2025 to October 16, 2026) | 128 (September 10, 2025 to September 9, 2026) |
| Median recorded sale | $135,000 (same window) | $352,500 (same window) |
| Median price per sq ft | $156.98 (same window) | $172.59 (same window) |
| Year built | 1986 and 1987 | Median 1990 for the stock |
| Who maintains the roof | The association | You |
| Roof on record | All 25 buildings re-roofed 2023, permits closed | House by house; read the permit |
| Association cost | Condominium fee from the budget and estoppel; not published | $205 per lot a year, due October 1 (association FAQ) |
| Street and drainage line on the tax bill | $15.25 on one unit’s 2025 bill; the county does not publish how many equivalent residential units a condominium unit carries | $305 per equivalent residential unit, the current rate in the county’s FY25 annual report and FY2026 adopted budget; your bill shows the exact line |
| Amenities | Clubhouse, pool, tennis, pickleball, bocce, shuffleboard, gazebo and social garden with gas grills (association list) | None owned by the association; Deep Creek Park and the semi-private golf club are on the plat |
| Private pool | No; shared pool | 63.5 percent of homes carry a pool on the 2026 roll |
| Financing | Not on HUD’s FHA list as of October 28, 2026; conventional project review or cash | Ordinary single-family lending |
| Flood zone | Zone X, panel 12015C0068G | Zone X at every site sampled in its guide, with the southeast corner in the shaded 0.2 percent annual chance Zone X |
| Governing law | Chapter 718 condominium; two stories, below the milestone and SIRS line | Chapter 720 homeowners’ association |
| Rental rule | Set by the declaration and rules; not published, so request them | One-month minimum (association documents) |
| Homestead share | 38.2 percent of units (2026 roll) | 72.6 percent of homes (2026 roll) |
Sources: Charlotte County Property Appraiser public sales file and unit records, our analysis, with each window as labeled; Charlotte County Property Appraiser 2026 certified roll; Section 23 association FAQ; Charlotte County Deep Creek street and drainage FY25 annual report; HUD Condominiums lookup; Deep Creek Gardens association amenities page.
The Section 23 median is 2.6 times the Deep Creek Gardens median, but its price per square foot is only about 10 percent higher, because a Section 23 house is more than twice the size. Per square foot, the condo is not the bargain its sticker suggests. What it buys you is a lower total commitment, no exterior to maintain and an amenity package you would pay separately for anywhere else. What it gives up is land, a garage, a private pool and the faster sales pace of a market where 128 homes changed hands in a year.
On the Deep Creek Gardens side, the fee from the budget replaces most of what a house owner pays piecemeal: roof reserves, exterior painting, lawn, pool. On the Section 23 side, the association charge is only $205 a year, but the roof, the pool service, the lawn and a full homeowner’s policy are yours. Compare the two on a full monthly number, not on the association line alone.
If you are weighing both, our Section 23 buyer’s guide works through the house side in the same depth, and our guide to buying in Deep Creek covers the whole community. Call Marc at (239) 287-5873 and we will price both on one sheet.
Since August 17, 2024, a Deep Creek Gardens buyer signs a written agreement with their agent before touring, stating a specific compensation amount that is negotiable and not set by law. Offers of compensation no longer appear on the MLS, though a seller may still agree to pay part or all of it as a term of the deal.
Data updated: October 2026 (National Association of Realtors settlement materials; Florida Realtors forms guidance; Florida Statutes 475.278; retrieved 28 Oct 2026).
The National Association of Realtors’ practice changes require an MLS participant working with a buyer to have a written agreement before touring a home. The compensation in it must be objectively ascertainable and not open-ended, the agent may not receive more than that amount from any source, and the agreement must say plainly that fees are not set by law and are fully negotiable.
Florida Realtors’ buyer brokerage agreements come in versions for each brokerage relationship a buyer can choose, including a single agent version in which compensation paid by a seller reduces what the buyer owes. A separate form handles compensation that a seller or listing broker offers to a buyer’s broker.
Section 475.278 presumes that every Florida licensee is a transaction broker unless a single agent relationship is set up in writing. A transaction broker owes limited confidentiality and no loyalty. If you want an agent who negotiates only for you, choose the single agent form.
On a lower price point, a percentage fee can be a small dollar figure, and some agents treat these purchases as a quick transaction. We do not. A condominium purchase carries more documents per dollar than almost anything else in Southwest Florida, and we put a fixed, written compensation figure in front of you before the first tour, with any seller contribution shown as a credit against it.
We find the right Deep Creek Gardens condo by screening each available unit’s card, permits and association paperwork before you tour, then searching by address rather than the MLS development label, which misses most units here. We negotiate from the 12 recorded sales, adjusted for floor, side and condition, and from what the documents show.
Data updated: October 2026 (Charlotte County Property Appraiser recorded sales and unit records, retrieved 28 Oct 2026; Florida Realtors and Florida Bar AS IS contract).
Deep Creek Gardens listings are often entered under Port Charlotte, under phase names such as “Deep Creek Gardens Ph 07,” or without a development label at all, and some come through a different MLS feed. A search on “Deep Creek” alone misses them. We search by the street address, 25100 Sandhill Boulevard, and by the condominium’s legal description, so nothing listed is invisible to you.
With 88 owners living outside Florida, some sellers here prefer a quiet sale arranged before they head north or before they come back down. As the #1 team in Southwest Florida since 2012, we hear about some of those units before they reach the market, and we run them through the same screen as any listed unit.
We start from the 12 sales, then place the unit by floor, by county neighborhood code and by condition against the units that closed nearest to it. A second-floor road-side unit with original kitchen and non-impact windows is priced against $113,000 to $130,000 comparables, not against the $165,000 high. A renovated first-floor lake-side unit with impact glass is priced against the top of the range. That is the whole art of a one-plan complex.
On the Florida AS IS contract, the inspection period is 15 days if left blank, the initial deposit is due within 3 days and any additional deposit within 10, and the loan approval period defaults to 30 days. For a condominium we set the inspection period long enough to receive the association package, the estoppel, the HO-6 quote and, if financing, the lender’s project review, because each of those can change your decision.
A special assessment on the estoppel, a reserve waiver in the budget, a master policy deductible larger than expected, or an open permit on the unit are all negotiating points. Each one carries weight inside the inspection period and almost none after it. We use them to adjust the price, ask the seller to pay off an assessment, or walk away cleanly.
Your deposit sits with a title company, attorney or broker escrow. On the AS IS form it comes back to you if you terminate in time under the inspection or financing provisions, and the seven-day right under section 718.503 adds a separate exit if the condominium documents arrive after you sign. We put every one of those dates on a written calendar the day the contract is signed.
Daily life at Deep Creek Gardens centers on the association’s grounds: a clubhouse, pool, tennis and pickleball courts, bocce and shuffleboard, a gazebo and social garden with gas grills, and small lakes with fountains. Deep Creek Golf Club is about five minutes away, Interstate 75’s Exit 170 is close, and downtown Punta Gorda is about fifteen.
Data updated: October 2026 (Deep Creek Gardens Condominium Association amenities and about pages, retrieved 28 Oct 2026; OSRM free-flow routing from the common elements; Charlotte County Public Schools boundary locator).
The association’s amenities page lists a clubhouse, a swimming pool, a tennis court, pickleball courts, bocce ball courts, shuffleboard courts, a gazebo with two gas grills and a social garden area with two gas grills. Its about page adds small lakes with fountains and notes two golf courses within two miles, Kings Gate and Deep Creek. That is a fuller list than older summaries carried, and it comes from the association rather than a listing.
The association’s public site posts a community calendar and a book club, and the owner mix means the clubhouse is busiest from January through April. A buyer who wants a quiet summer and a social winter will find both here, in that order.
| Destination | Miles | Minutes, free-flow |
|---|---|---|
| Deep Creek Golf Club | 1.9 | 5 |
| Deep Creek Elementary | 5.1 | 8 |
| Harbour Heights Park boat ramp | 4.5 | 11 |
| AdventHealth Port Charlotte | 6.2 | 13 |
| HCA Florida Fawcett Hospital | 6.2 | 13 |
| Downtown Punta Gorda | 10.0 | 15 |
| Port Charlotte Town Center | 9.0 | 15 |
| Punta Gorda Airport | 10.7 | 17 |
| Fishermen’s Village | 9.0 | 18 |
| Englewood Beach | 26.5 | 42 |
| Downtown Fort Myers | 32.1 | 43 |
| Southwest Florida International Airport | 45.7 | 54 |
| Downtown Sarasota | 47.4 | 58 |
Method: OSRM routing on OpenStreetMap roads, fastest route with no traffic, from the center of the Deep Creek Gardens common elements; add time for signals and the road work below.
Deep Creek Golf Club is semi-private and plays by the round or by membership, which is separate from owning a unit. Charlotte County’s Deep Creek Park on Sandhill Boulevard adds public pickleball, tennis and basketball courts. The complex’s lakes are not navigable; for a boat, the nearest public ramp is at Harbour Heights Park on the Peace River, about 11 minutes away.
The Charlotte County Public Schools boundary locator assigns 25100 Sandhill Boulevard to Deep Creek Elementary, Punta Gorda Middle and Charlotte High School. The district calls its locator a guide, so confirm with the school before relying on it, and note the district’s open-enrollment choice program.
Charlotte County Utilities supplies water and sewer, and Florida Power and Light supplies electricity. The Charlotte County Sheriff’s Office patrols the area, and Charlotte County Fire and EMS responds. Mail comes to Punta Gorda 33983 even though the complex is outside the city limits, which is why city services such as city police do not apply.
Charlotte County is designing a four-lane Sandhill Boulevard from Kings Highway to Deep Creek Boulevard, with roundabouts at Capricorn and Deep Creek boulevards and a forecast design completion in May 2027. Kings Highway north of Sandhill Boulevard is under construction to October 2027, with lane reductions at the Sandhill intersection. Drive both at the hours you would actually use them.
AdventHealth Port Charlotte and HCA Florida Fawcett Hospital are each about 13 minutes away by routing estimate, the closest full hospitals to the complex.
The case for Deep Creek Gardens is the lowest recorded entry price in Deep Creek, 2023 roofs, two-story buildings outside the milestone and SIRS laws, Zone X and a full amenity list. The case against is a falling median since 2023, no FHA approval, a fee you can only learn from documents, and one floor plan for everyone.
Data updated: October 2026 (Charlotte County Property Appraiser recorded sales and 2026 roll; HUD Condominiums lookup; Charlotte County permits; retrieved 28 Oct 2026).
If you are selling a Florida home to buy at Deep Creek Gardens, price the sale first, line the two closings up so the purchase does not wait on a buyer, and check whether a homestead you are leaving can carry part of its tax cap to the condo through portability. We run both sides on one calendar.
Data updated: October 2026 (Florida Statutes 193.155; Charlotte County Property Appraiser portability form DR-501T; retrieved 28 Oct 2026).
The amount your sale nets decides whether you buy with cash or a loan, which at Deep Creek Gardens decides how your offer reads. If the home you are selling is a unit here, see what your Deep Creek Gardens condo is worth or read our guide to selling a Deep Creek Gardens condo. If you are selling elsewhere in Punta Gorda, start with the Punta Gorda home valuation. Or call Jesse direct at (239) 898-6072.
A cash purchase after a sale is the cleanest sequence. When the purchase has to come first, a bridge loan or a contract with a sale contingency are the usual tools, and condo sellers here often accept a longer closing from a buyer with a firm plan. We match the inspection period, the association’s approval timeline and your sale’s closing date so none of them strands the others.
Moving from a larger Florida homestead to a $135,000 condo usually means a lower tax bill anyway, and portability can lower it further. File Form DR-501T with your homestead application by March 1 of the year you claim it at the new address.
Set up Deep Creek Gardens listing alerts by searching the street address, 25100 Sandhill Boulevard, rather than the Deep Creek development name, and filtering for floor, outlook and furnished status. A search on the development label misses most units here, so an address-based alert is the one that actually catches new listings.
Data updated: October 2026 (Charlotte County Property Appraiser unit records; Southwest Florida MLS search behavior as described above).
The Southwest Florida MLS export of October 29, 2026 showed no active, pending or under-contract Deep Creek Gardens listing at 25100 Sandhill Blvd; the same address search found the October 27, 2026 sale of unit B102, so the search itself works. That feed carries only part of the county’s listings; the county record above is complete through October 16, 2026. In the meantime, the last year’s sales are the best guide to what you will find: twelve units in twelve months, most priced between $125,000 and $150,000, roughly one a month, with spring and fall the busier stretches.
Filter on the address, then on first or second floor, and if you care about the lake, on the county’s lake-side buildings (D through J, M through T, V and most of U). Add impact windows as a keyword if insurance matters to you, and furnished if you want to arrive with a suitcase.
Create an account on our property search and save a search, or tell us your criteria and we will build the alert and send you the link. Saved searches route to Jesse and Marc, so a match reaches a person who knows the building. Call Marc at (239) 287-5873, or use the Deep Creek Gardens buyer consultation form. For listings across Southwest Florida, DomainRealtyGroup.com carries the full search.
Book a Deep Creek Gardens buyer consultation through the form on this page or by calling Marc at (239) 287-5873. In about thirty minutes we build your monthly number at today’s figures, explain the FHA and conventional paths, and list the documents and deadlines for your shortlist of units.
Data updated: October 2026 (Charlotte County Property Appraiser recorded sales, retrieved 28 Oct 2026; HUD Condominiums lookup).
You leave with a full monthly carrying cost for a Deep Creek Gardens unit at your price and down payment, a financing plan that fits a project not on HUD’s FHA list, the written questions for the association, and a short list of units placed against the 12 recorded sales by floor and side.
How you will use the unit: full-time, seasonal or as a rental. How you will pay: cash, conventional, or a loan program that needs project approval. Whether stairs are a problem. Whether a pet is coming. When you want to close. The answers decide which units are worth touring.
Request your Deep Creek Gardens buyer consultation, read how we represent buyers across Southwest Florida, or call Marc Comisar at (239) 287-5873. You can also call Jesse direct at (239) 898-6072. You are working with Top 1% Real Estate Agents Nationally Since 2008, and the consultation carries no obligation.
Marc Comisar is a top-reviewed Deep Creek Gardens realtor, and the reviews below are five-star reviews from clients who bought with him, copied word for word, including their own spelling. Each carries a label naming the site where it was posted. We show no aggregate rating.
★★★★★ “Marc assisted us in purchasing a condo in Estero in 2009. Marc was the consumate professional in every aspect of the transaction. When we were on the roller coaster ride that is financing a second home Marc stood fast and refered us to a lender that got the job done. I highly recommend Marc Comisar!” Verified Zillow review
★★★★★ “I have purchased two condominiums, one in ’09 and one in ’10 from Marc. (One was in Grandezza and the other home was in Miromar Lakes.) Since this time I have also sold one of the units through Marc. I was very pleased with Marc’s professionalism and honesty. There are always issues that arise, which needs the agent’s attention, and Marc or someone from his team have always been there to address these issues.” Verified Zillow review
★★★★★ “Best realtor experience ever! We were out of own buyers coming in for the weekend to look for a new home, Marc was extremely organized in taking us to see a number of houses and shuffling the schedule, as we arrived early, to make the best use of our time. He was extremely helpful in negotiating what we thought was a great deal on the new home that we purchased that same weekend. Beyond that he was kind enough to take some measurements at the house for us weeks later to keep us from making a trip back to town before the closing. We will most definitely be using this realtor again if the need arrives in the future.” Verified Google review
These are the Deep Creek Gardens buyer questions that no public record we read on October 28, 2026 answered. Each one has a document that settles it, and we obtain those documents for our buyers during the contract rather than repeat a listing’s answer.
These are the questions buyers search for and ask us about Deep Creek Gardens, drawn from real search phrasing and our own conversations, each answered from the records cited on this page.
Units come up regularly: the county recorded 12 qualified sales between October 2025 and October 16, 2026, about one a month. On October 29, 2026 the Southwest Florida MLS export showed no active Gardens listing. Search by the address, 25100 Sandhill Boulevard, because many listings are not filed under the Deep Creek name.
The median of the 12 qualified county-recorded sales from October 2025 to October 16, 2026 was $135,000, with a range of $113,000 to $165,000 and a median of $156.98 per square foot on the county’s 860 square feet. Condition, floor and lake or road side explain most of the spread.
Deep Creek Gardens is not on HUD’s FHA-approved condominium list as of October 28, 2026. An FHA buyer would need a single-unit approval, which some lenders offer and others do not, so most buyers here use conventional loans or cash. Talk to a lender who handles single-unit approvals before you tour.
Its status in Fannie Mae’s project system is not public, so nobody outside the lending process can honestly say. A conventional lender reviews the project for your loan, looking at critical repairs, inspection reports from the last three years, special assessments, insurance and owner delinquency. The 2023 re-roof is a helpful fact in that review.
The association does not publish its fee on its public website; the adopted budget, the question-and-answer sheet and the estoppel certificate state it. We print no fee taken from listings or portals. We get the budget figure for every unit we show, and the estoppel confirms it for your unit once you are under contract.
Only the budget answers that line by line. Typical items in a Florida garden condominium budget are the master insurance policy, exterior and grounds maintenance, the pool and clubhouse, reserves and administration, and sometimes water, sewer or cable. Ask whether utilities are included before comparing two units’ fees.
The SIRS law applies to buildings three habitable stories or higher, and Deep Creek Gardens has two-story buildings, so the requirement does not reach them on the county and permit record. Confirm the height in the declaration. Ordinary reserves for roofs, painting and paving still apply unless owners vote to waive them.
Florida’s milestone inspection under section 553.899 begins at three habitable stories, and the buildings here are two stories, so the law does not reach them on the record we read. That removes one source of inspection-driven special assessments that many taller Florida condominiums have faced.
Charlotte County issued permits in July and August 2023 to tear off and replace the roofs on all 25 buildings and the clubhouse, and every one of those permits is closed. Ask the association how the work was paid for and whether any balance remains.
FEMA Zone X, the area of minimal flood hazard, on panel 12015C0068G effective December 15, 2022, re-confirmed on the county’s card on October 28, 2026. A federally backed loan does not require flood insurance in Zone X, but Citizens policyholders face their own flood-coverage requirement.
Usually not for the lender, because the complex is in Zone X. You may still need it if your HO-6 policy is with Citizens, which ties coverage to flood insurance on a phased schedule, and some owners choose it anyway. Price it during the inspection period.
An HO-6 unit-owner policy for interior finishes, belongings and liability, with loss-assessment coverage sized to your share of the master policy’s wind deductible. The association insures the buildings under its master policy, which section 718.111(11) requires to rest on a replacement-cost appraisal at least every 36 months.
Charlotte County’s storm surge evacuation layer places the complex in Zone D, the fourth of the county’s five zones. Evacuation orders reach Zone D after the coastal zones. Check the county’s Know Your Zone page each season, because zones are reviewed.
One unit’s 2025 bill showed $2,205.50 of ad valorem tax at 15.0855 mills on a $146,200 non-homestead value, plus about $622 of county non-ad valorem charges. Your bill resets after the purchase and follows the county’s market value; the 2026 bills, issued in November, reflect lower 2026 values.
Yes. One unit’s 2025 tax bill shows a Deep Creek (Non-Urban) Street and Drainage maintenance line of $15.25, beside sanitation, fire rescue and stormwater charges. It is collected on the county tax bill and prorates at closing with the property tax.
Yes, if it is your permanent Florida residence on January 1 and you file with the Charlotte County Property Appraiser by March 1. Seventy-six of the 199 units carry a homestead exemption on the 2026 roll. Homestead lowers the taxable value and starts the Save Our Homes cap.
No age restriction appears in any public record we read. Only the recorded declaration can establish housing-for-older-persons status, so confirm it there before relying on it either way.
Leasing is governed by the declaration and rules, which are not on the association’s public pages, and we do not repeat lease terms from listings. Any minimum, maximum or approval step decides whether the unit suits seasonal or annual tenants. Get the rules in writing before buying with rental income in mind.
Pet limits for owners and tenants are set by the rules and stated in the question-and-answer sheet, which are not on the association’s public pages, so we do not repeat listing descriptions. Service and support animals fall under fair-housing law rather than a weight limit.
Yes. The association lists a clubhouse, a swimming pool, a tennis court, pickleball courts, bocce ball courts, shuffleboard courts, a gazebo with two gas grills and a social garden area with two gas grills, plus small lakes with fountains on the grounds.
Yes. The association publishes a public website, but its budget and rules sit behind the owners’ login. The public pages describe the complex, list the amenities and give the office contact, 941-629-4779, at 25100 Sandhill Boulevard.
There are 199 units in 25 two-story buildings lettered A to Y, according to the county roll and the association’s own website. The state’s register shows 200; unit X-104 is the association office address, and the county roll counts 199 residences.
Every unit carries 860 square feet of living area and two bedrooms on the county card. If a listing shows a different figure, we compare units on the county’s 860.
It depends on you. First-floor units avoid the exterior stairs and open onto the grounds; second-floor units have no one above and more privacy. Over the last year the first-floor sales ran a $141,250 median against $133,750 upstairs, on too few sales to call it a rule.
The county thinks so: its 2026 value is $127,925 for the 135 lake-side units and $119,153 for the 64 road-side units. Over the last year the lake-side neighborhood’s sales ran a $138,250 median against $129,500, a small sample pointing the same way.
Ask for the current assessment and what it covers, any special assessment levied or proposed, reserve balances and any waiver vote, how the 2023 roofs were paid for, the master policy deductible, whether buyers need approval, leasing and pet rules, any pending litigation and the share of owners behind on dues.
It is the association’s signed statement, under section 718.116, of what is owed on a unit: regular assessments, any unpaid balance, special assessments and other charges as of a date. The buyer and title company can rely on it, which is why we order it the day the contract is signed.
Under section 718.503, if you sign before receiving the resale documents, the contract is voidable by you for seven days after you receive them, excluding weekends and legal holidays, and the right ends at closing. Getting the documents before you sign turns that clock into a backstop.
On a financed purchase, the state’s mortgage stamp tax of 35 cents per $100 and the 2-mill intangible tax, which total $594 on a $108,000 loan, plus recording, lender and title charges, inspections, prorations and condominium fees as the contract assigns them. A cash buyer skips the two loan taxes.
In Lee and Charlotte counties the seller customarily pays for the owner’s title policy, and the buyer pays for the lender’s policy on a financed purchase. The contract’s title box controls, so we read it with you before you sign.
A Section 23 home recorded a $352,500 median over the 12 months to September 9, 2026 against $135,000 at Deep Creek Gardens from October 2025 to October 16, 2026. The house brings land and a $205 yearly association charge; the condo brings maintained buildings, amenities and a lower total price.
The mailing address is Punta Gorda 33983, but the complex sits in unincorporated Charlotte County, outside both the City of Punta Gorda and Port Charlotte. The county taxes it in district 104, supplies its water and sewer and patrols it through the Sheriff’s Office. Some listings use Port Charlotte anyway.
The district’s boundary locator assigns 25100 Sandhill Boulevard to Deep Creek Elementary, Punta Gorda Middle and Charlotte High School. The district treats its locator as a guide and runs an open-enrollment choice program, so confirm with the school.
Englewood Beach is about 26.5 miles and 42 minutes away by free-flow routing from the complex, and downtown Punta Gorda’s waterfront is about 15 minutes. Add time for traffic and the Kings Highway and Sandhill Boulevard road work.
The calendar-year medians have fallen from $184,000 in 2023 to $152,500 in 2025 and $135,000 for 2026 through October 16, and the county cut 2026 values by 12.5 to 18.5 percent. Recent sales still closed above the county’s 2026 values. We price to the current record and do not forecast.
It is a low-cost way into Deep Creek with new roofs and two-story buildings below the milestone and SIRS line, but the median has fallen since 2023 and its leasing terms sit in documents that are not public. As a home it can be excellent value; as a rental, read the rules first. We help buyers decide on the documents, not the sticker.
The best buyer’s agent here prices from the county’s recorded sales, checks HUD’s FHA list and the association’s documents before you write, and gets the estoppel and HO-6 quote inside the inspection period. McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, work every Deep Creek Gardens purchase that way.
Call Marc Comisar at (239) 287-5873 or Jesse McGreevy direct at (239) 898-6072, or use the buyer consultation form on this page. The first conversation builds your monthly number and financing path for a Deep Creek Gardens unit, at no charge and with no obligation.
Each document below links to the office that issues it, so you always read the current version. A Deep Creek Gardens buyer will meet most of these during the contract, and reading them before an offer costs nothing.
| Document | Issuing body | Link |
|---|---|---|
| Deep Creek Gardens Condominium Association, Inc., Amended and Restated Articles (April 8, 2004) | Florida Division of Corporations | Amended and restated articles (PDF) |
| Deep Creek Gardens Condominium Association, Inc., 2026 Annual Report | Florida Division of Corporations | 2026 annual report (PDF) |
| Section 553.899, milestone inspections and the three-story threshold | The Florida Senate | Fla. Stat. 553.899 |
| Section 718.116, condominium assessments and estoppel certificates | The Florida Senate | Fla. Stat. 718.116 |
| Section 718.503, resale disclosure and the seven-day right | Florida Legislature | Fla. Stat. 718.503 |
| Section 718.504, the question-and-answer sheet | The Florida Senate | Fla. Stat. 718.504 |
| Section 689.302, seller flood disclosure, as amended 2025 | Florida Legislature | Fla. Stat. 689.302 |
| Deep Creek Non-Urban Street and Drainage MSBU boundary map | Charlotte County | Street and drainage unit map (PDF) |
| Fannie Mae Selling Guide B4-2.1-03, Ineligible Projects | Fannie Mae | Ineligible projects |
| Condominium register extract, Deep Creek Gardens A Condo, PR1P015136 | Florida Department of Business and Professional Regulation | DBPR condominium register (CSV) |
| Estoppel certificate fee schedule, current adjusted amounts | Florida Department of Business and Professional Regulation | Estoppel fee schedule (PDF) |
| Form DR-501T, transfer of homestead assessment difference | Charlotte County Property Appraiser | Portability application (PDF) |
| AS IS Residential Contract for Sale and Purchase, ASIS-7, redline | Florida Realtors and The Florida Bar | Florida AS IS contract (PDF) |
| Exclusive Buyer Brokerage Agreement, single agent, EBBA-8sa, redline | Florida Realtors | Single agent buyer agreement (PDF) |
| Charlotte County Evacuation Zones map | Charlotte County Emergency Management | Evacuation zones map (PDF) |
Every source below was read or re-checked on October 28, 2026 unless its line says otherwise. Where a figure on this page is our own tabulation of a public file, the text says so beside it. Southwest Florida MLS figures come from a member-only system and are cited as text. No competing brokerage, listing portal or aggregator appears here, by policy.
McGreevy and Comisar are the Southwest Florida team Deep Creek Gardens buyers call when a condominium purchase has to be priced on the county record and closed with the association’s documents read. Jesse McGreevy and Marc Comisar are Top 1% Real Estate Agents Nationally Since 2008 and lead the #1 team in Southwest Florida since 2012.
By Jesse McGreevy and Marc Comisar. For this guide we tracked every qualified Charlotte County sale on the Deep Creek Gardens condominium through October 16, 2026, read the 2026 certified roll for all 199 units, one unit’s full 2025 tax bill, HUD’s condominium lookup and the association’s public filings. Meet the team on our about McGreevy and Comisar page, return to the Deep Creek Gardens neighborhood guide, or see the Punta Gorda area guide and our Punta Gorda buyer’s guide.
If you are searching for the best buyer’s agent for a Deep Creek Gardens condo in Punta Gorda, Florida, McGreevy and Comisar represents homebuyers across Punta Gorda, Charlotte County, Estero, Bonita Springs, Naples, Fort Myers, Lee County, Collier County and Babcock Ranch. Whether you are buying a winter home, downsizing from a larger house, moving to Florida full time or buying your first place in the state, our team provides honest market guidance, pre-MLS access, partner-level negotiation and a clear plan to help you buy confidently. You are working with Top 1% Real Estate Agents Nationally Since 2008.
Jesse McGreevy (Sales Associate, SL3101296) and Marc Comisar (Broker Associate, BK3060671) are licensed Florida REALTORS® with Domain Realty; Florida real estate licensure is regulated by the Florida Real Estate Commission (FREC).
McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more at DomainRealtyGroup.com.
Send us a Deep Creek Gardens unit number and we will send back its building, floor, county neighborhood code, 2026 certified value, permit history and the recorded sales it competes with. Call Jesse direct at (239) 898-6072, call Marc at (239) 287-5873, or book a Deep Creek Gardens buyer consultation.
Updated October 2026. Market and roll data: Charlotte County Property Appraiser and Charlotte County GIS, checked October 2026. This guide is general information about buying a condominium at Deep Creek Gardens in Punta Gorda, Florida. It is not legal, tax, lending or insurance advice, and it is not an offer of representation. Statutory figures change annually and market figures change monthly. Brokered by Domain Realty.