10043 WINDING RIVER ROAD, PUNTA GORDA, FL, 33950
Active340 days on marketListed Aug 19, 2025MLS #TB8417797
About this home
10043 WINDING RIVER ROAD
One or more photo(s) has been virtually staged. Room to Breathe. Space to Thrive. Welcome to your private slice of paradise in Punta Gorda’s sought-after Creekside community. This expansive 4 bedroom plus bonus room, plus den, 3 bathroom pool home spans over 3,300 square feet — ideal for large families, multigenerational living, or anyone craving room to grow and entertain. Step inside and discover an effortless blend of space and flow: a formal living and dining room for special occasions, an open-concept family room and oversized kitchen perfect for everyday living, plus a flexible upstairs loft ready to become a fifth bedroom, office, or home theater. Upstairs, the luxurious primary suite offers a peaceful retreat, complete with a spa-like bath, garden tub, dual vanities, and a walk-in closet that dreams are made of. Three additional bedrooms and a generous laundry room with flex space round out the second floor. Outside, your Florida lifestyle awaits. Lounge beneath the covered lanai, take a dip in the sparkling saltwater pool, and savor the fruits of your own mango, papaya, and avocado trees—all within a fully fenced backyard oasis. Additional features include: dual-zone A/C, PAID OFF solar panels for energy savings, full hurricane protection, and a 2023 roof for peace of mind. Creekside offers tranquil walking paths, parks, and playgrounds—all just minutes from downtown Punta Gorda, I-75, shopping, dining, and boating adventures. If you're looking for more than just a house—if you want a home where memories are made and space is never in short supply—this one is calling your name.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,327
Sqft
0.14 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$144
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.
$3,576 /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
$3,576/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
−61.4%
$/sqft vs CREEKSIDE
$144 vs $184
Days on market
340 vs 59 typical
Where $144/sqft sits among the 8 homes for sale in CREEKSIDE
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.
The investor lens
Two ways this home pays
This home sits inside Creekside, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$36,477/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,700/mo median
Live Punta Gorda rental listing data — this home’s rate depends on size, condition and furnishing.
The Punta Gorda short-term market
▼ Softening40%
Occupancy
▼ 24% yr/yr
$250
Avg nightly rate
▲ 13% yr/yr
$20K/yr
Revenue per listing
$111
RevPAR
61 days
Booking lead time
7.3 nights
Avg stay
8
Typical min nights
460
Active rentals
▲ 4% supply
Seasonality — monthly occupancy
Peaks at 65% in Feb · bottoms at 28% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Punta Gorda — the projection above is specific to this home’s size.
Where it sits
Inside Jones Loop
Creekside is a short-term-rental community. See the full guide →
Jones Loop — neighborhood snapshot
Population
2,550
Median age
60
Median income
$72,488
Median home value
$170,624
Avg household
2
Households w/ children
368
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$345K → $345K
Punta Gorda median sold, yr/yr
95.0%
Sale-to-list ratio (12 mo)
4 of 8
CREEKSIDE have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 76% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 10043 WINDING RIVER ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$689,000
14112 CREEK RUN DRIVE · same community
4 bd · 3 ba · 2,919 sqft · $236/sqft · 50 DOM
Sold · Mar ’26$375,000
1009 NW 36 ROAD · same community
5 bd · 3 ba · 2,841 sqft · $132/sqft · 4 DOM
Sold · Dec ’25$395,000
4434 CREEKSIDE DRIVE · same community
4 bd · 3 ba · 2,433 sqft · $162/sqft · 20 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10043 WINDING RIVER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10043 WINDING RIVER ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
10043 WINDING RIVER ROAD FAQs
What would the monthly payment be for 10043 WINDING RIVER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,576/mo — principal and interest, the actual property-tax bill, the $65/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 10043 WINDING RIVER ROAD?+
The association fee works out to $65 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10043 WINDING RIVER ROAD?+
The most recent tax bill on record (2024) was $3,827. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 10043 WINDING RIVER ROAD be rented short-term?+
Yes — this home sits inside Creekside, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 10043 WINDING RIVER ROAD?+
The listing reports pets: Dogs OK, Size Limit, 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 $479,000, this home is listed about 39% above the Punta Gorda median of $344,849. The market section on this page shows how the area is trending.
Which schools are assigned to 10043 WINDING RIVER ROAD?+
Punta Gorda Middle School (middle), Charlotte High School (high), East Elementary School (elementary) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$479,000 runs 76% above the PUNTA GORDA 33950 median — but at 3,327 sqft it's also nearly twice the size of the typical Punta Gorda listing.
02Zoned for nightly rentals
Creekside is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
04Time on market is leverage
340 days on market against a Punta Gorda median of 59 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $524,900, now $479,000 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Katie Boggs, LLC. MLS #TB8417797.
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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