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$25,000

Active

10118 Charlemont Ave, Englewood, FL 34224

0.23 acre lot

Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · MLS# C7530327

53 days on market

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

Wake up to water views from your own backyard on this .23 acre homesite at 10118 Charlemont Ave in Englewood, FL 34224 (PID 412002102012). This 10,000 square foot parcel has 80 feet of road frontage and 80 feet along a peaceful freshwater canal at the rear, giving your future home a naturally private backdrop and the kind of everyday scenery that draws so many to Southwest Florida in the first place. Public water is available at the street, and septic would be needed to build. Zoned RSF-3.5, Charlotte County's residential single-family district, this lot is designated for a single-family detached home, which may include an attached guest suite. RSF-3.5 permits building heights up to 38 feet and lot coverage allowing as much as 4,000 square feet of coverage on a parcel this size. With setbacks of 25 feet in front, 7.5 feet on each side, and 20 feet from the water at the rear, you are left with a wide, deep building envelope of roughly 65 feet across and 80 feet deep, with room for a spacious home paired with a screened lanai and a pool area oriented toward the canal. Swimming pools and similar non-commercial recreational structures are expressly permitted in RSF-3.5, so a true backyard oasis overlooking the water is well within reach here. Buyers should verify exact setbacks and site plan requirements with Charlotte County before finalizing home plans. The property sits in an X flood zone, FEMA's lowest-risk designation, meaning it falls outside the high-risk Special Flood Hazard Area. In practical terms, flood insurance is not federally required in an X zone even with a federally backed mortgage, and when a homeowner does choose to carry coverage, premiums are typically far more affordable than high-risk AE or VE zones. On a waterfront parcel especially, that is meaningful long-term savings. The property is also NOT located in a Scrub Jay review area according to the CCGIS, and the National Wetland Inventory mapper shows NO wetlands on site, two more green lights heading into permitting. The location is every bit as appealing as the setting. You are just minutes from Englewood Beach and the sugar sand shores of Manasota Key, with the Old Florida charm and world-class tarpon fishing of Boca Grande roughly 20 minutes away. Golfers will feel right at home with dozens of courses in the surrounding area, including Lemon Bay Golf Club right in Englewood and the five distinct courses at Rotonda Golf and Country Club just a short drive away. Nearby restaurants, grocery stores, and shops cover your everyday needs, from casual waterfront dining to the shopping corridors along Placida Road and SR-776. Sports fans are well positioned too, with Charlotte Sports Park, spring training home of the Tampa Bay Rays, and CoolToday Park in Wellen Park, spring training home of the Atlanta Braves, both within an easy drive for Spring Training baseball each spring. I-75 is approximately 30 minutes away for effortless travel north and south throughout the state, and Fort Myers International Airport (RSW) is roughly an hour and fifteen minutes for convenient air travel. Whether you are planning a full-time residence, a seasonal retreat, or a smart investment in one of Southwest Florida's most beloved beach towns, this canal-front homesite delivers the setting, the space, and the location to make it happen. Contact us today to learn more.

Facts

Property type
Land
Lot size
0.23 acres
Waterfront
Yes · 80 ft
Water access
Canal - Freshwater
Water view
Yes
Exposure
South
Flood zone
X
Annual taxes
$687/yr
Listed
Sep 5, 2026
MLS #
C7530327

Virtual tour

Tours are hosted by the seller’s chosen provider, not by Lasbury-Tracy Realty. Opening one loads content from that company and shares your IP address with them.

Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 10118 CHARLEMONT AVE. Everything below is editable.

AssumptionNot a quoted rate. Ask a lender what you actually qualify for today.

From this listingThe seller's most recent annual tax bill as reported to the MLS. Your bill will differ — Florida reassesses on sale and homestead caps reset.

Editable estimateA placeholder, not a quote. On the Gulf Coast this is the line item most likely to be wrong: premiums swing on roof age, wind mitigation, elevation, and carrier appetite. Get a real quote before you rely on this number.

Starts at $0Deliberately zero until you enter a figure — we will not inflate a payment with a guess. Many homes here need it; ask us for the property's flood zone and the current policy's premium.

Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.

AssumptionNot applied — your down payment is 20% or more.

Estimated total monthly payment

$384

$126 of that is principal & interest. 67% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$126
Property taxes
$57
Homeowners insurance
$200
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$384

Over the life of the loan

Loan amount
$20,000
Down payment
$5,000
Total interest
$25,509
Principal + interest paid
$45,509
Paid off in
2056

Interest is the exact schedule total for a fixed-rate loan held to term and assumes no extra payments. Taxes, insurance and fees are not included in these lifetime figures because they change every year.

Calculated on this page from the figures above — nothing is sent anywhere and no lender is quoting you. Figures are estimates for planning only, not a pre-approval, commitment to lend, or a statement of the taxes and insurance you will actually be charged. Lasbury Tracy Realty Inc. is a real estate brokerage, not a lender or an insurance agent.

Take a tour

Pick a day that suits you — a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

10118 Charlemont Ave, Englewood, FL 34224

Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · MLS# C7530327 · Active

How would you like to see it?
Which day?
What time of day?

In person · Thu, Oct 29 · Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

Where this home is

Opens on aerial — on this coast the canal, the lot and the neighbours answer more questions than a street grid does.

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Similar homes

Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 28, 2026, 9:51 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. 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. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. · [email protected]