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$534,900

Active

109 Peckham St SE, Port Charlotte, FL 33952

3 beds Β· 2 baths Β· 1,490 sq ft

Listing courtesy of KW PEACE RIVER PARTNERS Β· MLS# C7530639

47 days on market

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

About this home

SAILBOAT ACCESS β€’ POOL & SPA β€’ QUICK ACCESS TO CHARLOTTE HARBOR AND THE GULF OF MEXICO! 3BEDROOM, 2 BATH, 2 CAR GARAGE AND A 49 FOOT COVERED LANAI ENJOYING THE SPARKLING BLUE CANAL! Imagine waking up each morning, stepping out to your private dock, and being on the open waters of Charlotte Harbor within minutes. This beautifully maintained 3 bedroom, 2 bath waterfront POOL/SPA home offers the Florida lifestyle many dream about but few get to enjoy. SOLAR POOL COVER TOO! With 80FT CONCREAT SEAWALL, PRIVATE DOCK, NEWER 10,000 lb COVERED BOAT LIFT, this SAILBOAT-ACCESS property provides quick, no-bridge access to Charlotte Harbor and the Gulf of Mexico. Whether you enjoy boating, fishing, kayaking, paddleboarding, or simply watching dolphins and manatees pass by, this home puts it all right outside your back door. Located within walking distance of the Port Charlotte Beach Complex, you'll enjoy easy access to walking paths, biking, tennis courts, pickleball, fishing, waterfront parks, and community events. This location truly offers the best of Southwest Florida living. Peace of mind comes with numerous major updates, including a Newer Roof, Newer Rheem A/C air conditioning system, Newer hot water heater, Newer refrigerator, and Newer dryer, all approximately 3 years old! The pool equipment has also been upgraded with a NEWER POOL PUMP, and the NEW LANAI ROOF AND SCREENING have been recently replaced. IMPACT WINDOWS across the front of the home and HURRICANE throughout provide added protection and security. Inside, you'll find a spacious and inviting floor plan designed for both everyday comfort and entertaining. The kitchen serves as the heart of the home, opening seamlessly to the living and family rooms while overlooking the dining area. A large GRANITE wrap-around breakfast bar provides plenty of seating for family gatherings and casual meals. The kitchen is beautifully appointed with rich WOOD CABINETRY featuring CROWN MOLDING, GRANITE COUNTERTOPS, a matching GRANITE backsplash, and abundant workspace. CROWN MOLDING continues throughout the entire home, including the bathrooms, while chair rail accents add character and elegance to the living areas. The spacious primary suite offers generous closet space, an additional linen closet, and direct access to the beautifully updated bathroom. Both bathrooms feature GRANITE countertops, WOOD cabinetry, tiled shower walls, and modern glass enclosures. The primary bathroom also serves as a convenient POOL BATH with direct access to the outdoor living area. Step outside and discover where this home truly shines. The EXPANSIVE 12' x 49' covered BRICK PAVER LANAI creates the perfect setting for outdoor dining, entertaining, or simply relaxing while overlooking the sparkling pool, spa, and waterfront views. The newly covered lanai provides ample shade, making it easy to enjoy Florida's outdoor lifestyle year-round. From sunset cruises and fishing adventures to poolside gatherings with friends and family, this exceptional waterfront home offers everything you need to experience the Florida lifestyle at its finest. With SAILBOAT ACCESS, a PRIVATE DOCK and COVERED BOAT LIFT, a POOL & SPA, and extensive updates, this is a rare opportunity to start living your waterfront dream immediately.

Facts

Property type
Single Family Residence
Year built
1977
Bathrooms
2 full
Living area
1,490 sqft
Lot size
0.23 acres
Waterfront
Yes Β· 81 ft
Water access
Bay/Harbor, Beach, Brackish Water, Canal - Brackish, Canal - Freshwater, Canal - Saltwater, Gulf/Ocean, Intracoastal Waterway
Water view
Yes
Private pool
Yes
Exposure
Southwest
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$6,836/yr
Listed
Sep 11, 2026
MLS #
C7530639

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 β€” not a loan offer

Starting figures for 109 PECKHAM ST SE. 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 β€” 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 β€” 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 β€” your down payment is 20% or more.

Estimated total monthly payment

$3,720

$2,705 of that is principal & interest. 27% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$2,705
Property taxes
$570
Homeowners insurance
$446
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$3,720

Over the life of the loan

Loan amount
$427,920
Down payment
$106,980
Total interest
$545,788
Principal + interest paid
$973,708
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 β€” 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 β€” a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

109 Peckham St SE, Port Charlotte, FL 33952

Listing courtesy of KW PEACE RIVER PARTNERS Β· MLS# C7530639 Β· Active

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

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

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

Where this home is

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

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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, 10:07 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. Β· [email protected]