Front elevation10720 Lemon Creek Loop #103, Englewood, FL 34224
As of September 23, 2026, 10720 Lemon Creek Loop #103 in Hammocks-Villas Ph 12, Englewood is listed at $350,000 (2,066 sq ft, about $169 per sq ft). That is 24% below Hammocks-Villas Ph 12's median closed sale of $458,950 over the last 12 months (830 recorded sales). Per square foot it is below the community's recent $230/sq ft by about 27%. It came to market within the past week. Listing facts: built in 2007, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2007 · 19 yrs
- 2,066 sq ft of living area
- 2-car garage
- Active listing
- HOA ~$50/mo (estimate; confirm)
Pricing & the PUNTA GORDA ISLES market
How this home is priced against recent nearby sales, and where PUNTA GORDA ISLES has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in PUNTA GORDA ISLES
Each dot is a closed sale since 2004 (10700 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $169/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 49 (normal).
This home’s history
- 2007BuiltPer public record
- Sep 23, 2026First trackedObserved at $350,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $1,853/mo 79%
- Taxes $306/mo 13%
- Insurance $138/mo 6%
- HOA $50/mo 2%
$2,348/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Property Score
69/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $169 per square foot, about 27% below the community’s $230 median. PUNTA GORDA ISLES’s 12-month median sold price per square foot is $230. Median sold price per square foot is up 7.8% year over year. Confidence: Very High · 830 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent PUNTA GORDA ISLES sales closed near 93.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1423 active listings in PUNTA GORDA ISLES, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Enjoy the best of the Englewood/Placida/Cape Haze lifestyle from this spacious two-story TURNKEY (furniture included) villa in The Hammocks at Cape Haze, a gated community offering relaxed, low-maintenance Gulf Coast living. With Hurricane Impact Windows and Sliders, two water-facing lanais, generous living spaces, and a thoughtfully designed floor plan, this villa offers a comfortable balance of everyday living, entertaining, and privacy. The home offers a spacious Family Room, Dining Room, and large kitchen, all flowing together to create a comfortable setting for everyday living and entertaining.
The Family Room opens to a screened lanai overlooking the water, extending the living space outdoors and providing a peaceful place to relax. A convenient half bath is also located on the first floor. A generous laundry room with additional storage adds even more functionality and leads to the garage entrance through a covered walkway, providing convenient access while staying protected from the elements.
The 15' x 14' Primary Bedroom provides a spacious retreat with direct access to its own water-facing lanai. The suite includes a generous walk-in closet with two separate entry doors, offering convenient his-and-hers style access, along with a beautifully appointed en-suite featuring a large walk-in tiled shower, dual-sink vanity, and separate water closet. A Guest Bedroom also enjoys direct access to the upstairs lanai, allowing guests to take in the same beautiful water views, with a second full bath completing the upper level.
As part of the Villas Association, owners enjoy a substantial range of services and maintenance benefits, including roof maintenance and replacement, exterior building insurance, landscaping, exterior painting, reserves for long-term upkeep, Cable TV, sewer, and water — all included in the association dues. These added benefits make ownership especially convenient and support a truly low-maintenance lifestyle. Beyond the villa itself, The Hammocks offers an exceptional resort-style experience.
Residents enjoy a beach-entry pool and spa, fitness center, tennis and pickleball courts, and a vibrant clubhouse, all within a beautifully maintained gated community. Ideally located in the Englewood/Placida/Cape Haze area, directly across from Cape Haze Marina and just minutes from Boca Grande, Manasota Key, boating, dining, golf, and some of Southwest Florida’s most beautiful beaches, this location makes it easy to enjoy everything the Gulf Coast has to offer.
Description provided by MICHAEL SAUNDERS & COMPANY and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $350,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- 1418 active listings competing, 314 under contract
For reference, this home is listed at $350,000 ($169/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,066 sq ft × $202–$258/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 23, 2026.
Similar homes for sale near HAMMOCKS-VILLAS PH 12
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in HAMMOCKS-VILLAS PH 12
- 8178 Little Gasparilla Island · $1,149,000 · 3 bd / 2.0 ba · listed September 23, 2026 (courtesy of COLDWELL BANKER REALTY)
- 4158 Tamiami Trail #J5 · $89,900 · 2 bd / 2.0 ba · listed September 22, 2026 (courtesy of JASON MITCHELL REAL ESTATE FLO)
- 1535 Harmon Drive · $289,999 · 3 bd / 2.0 ba · listed September 21, 2026 (courtesy of DR HORTON REALTY SW FL LLC)
- 10601 Lemon Creek Loop #102 · $299,900 · 3 bd / 2.5 ba · listed September 21, 2026 (courtesy of KW COASTAL LIVING III)
- 4300 Riverside Drive #160 · $135,000 · 2 bd / 2.0 ba · listed September 21, 2026 (courtesy of ERA ADVANTAGE REALTY, INC.)
- 4300 Riverside Drive #152 · $130,000 · 2 bd / 2.0 ba · listed September 21, 2026 (courtesy of ERA ADVANTAGE REALTY, INC.)
Recently off market in HAMMOCKS-VILLAS PH 12
- 6533 Jack Street · last listed $250,000 · 2026-09-22
- 6526 Jack Street · last listed $150,000 · 2026-09-22
- 4000 Oakview Drive #L8 · last listed $149,900 · 2026-09-22
- 3353 Grand Vista Court #201 · last listed $235,000 · 2026-09-22
- 3310 Loveland Boulevard #1901 · last listed $139,900 · 2026-09-22
- 324 Calle Liana · last listed $149,900 · 2026-09-22
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by MICHAEL SAUNDERS & COMPANY · MLS # N6145884
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Recent sales activity in HAMMOCKS-VILLAS PH 12
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HAMMOCKS-VILLAS PH 12 neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HAMMOCKS-VILLAS PH 12
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Charlotte County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the HAMMOCKS-VILLAS PH 12 guide → · Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 10720 Lemon Creek Loop #103, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2007 (19 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Charlotte County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 2,066 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $3,675/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- Confirm school zoning directly with the district.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 23, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 10720 Lemon Creek Loop #103 and when was it built?
Per the listing record, 10720 Lemon Creek Loop #103 was built in 2007 and has 2,066 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 10720 Lemon Creek Loop #103 in?
10720 Lemon Creek Loop #103 is in Hammocks-Villas Ph 12 in Englewood, Charlotte County. The community section on this page shows recent closed sales, days on market, and active inventory for Hammocks-Villas Ph 12 from the same MLS data.
Does 10720 Lemon Creek Loop #103 have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 10720 Lemon Creek Loop #103 differ from the current owner's?
The estimate on this page (about $3,675 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 10720 Lemon Creek Loop #103 in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 10720 LEMON CREEK LOOP #103 in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.