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$550,000

Active

11857 Xavier Ave, Port Charlotte, FL 33981

3 beds · 2 baths · 1,923 sq ft

Listing courtesy of RE/MAX HARBOR REALTY · MLS# C7533277

Listed today

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

About this home

**Nearly an Acre of Privacy in Port Charlotte: Pool Home on Four Combined Lots** Space like this is rare in Port Charlotte. 11857 Xavier Avenue sits on four lots under one owner, about 40,285 sq ft or nearly a full acre, running from Xavier Avenue back to Willmington Boulevard. The property wraps a 1991 concrete block and stucco pool home in room to breathe, to garden, to add on, or simply to enjoy the quiet that comes with having no close neighbors. There is open land surrounding the house that gives a sense of seclusion. The single-story home has 1,923 sq ft of air-conditioned living space with 3 bedrooms. Its metal roof is built for Florida weather and stands out from the air. Outside, a gunite pool with a connected spa sits on coated concrete decking, made for long Florida afternoons and quiet evenings. A covered porch, an attached garage, a storage shed and an irrigation system round out the property, and the home is on city water and sewer. The adjoining lots include a fenced side yard and a wooded parcel that gives the home natural privacy. That opens up options few homes in the area can offer: a workshop, RV or boat storage, a large garden, or room to expand, subject to county approval. It's about 15 minutes from Englewood's beaches and close to Port Charlotte's shopping, dining and Gulf access. Bring your vision. Properties with this much land in this location don't come along often. *Lot dimensions and boundaries are approximate. Buyers should verify all information.*

Facts

Property type
Single Family Residence
Year built
1991
Bathrooms
2 full
Living area
1,923 sqft
Lot size
0.92 acres
Private pool
Yes
Exposure
North
Furnished
Negotiable
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$3,832/yr
Listed
Nov 10, 2026
MLS #
C7533277

Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 11857 XAVIER 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

$3,559

$2,781 of that is principal & interest. 22% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$2,781
Property taxes
$319
Homeowners insurance
$458
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$3,559

Over the life of the loan

Loan amount
$440,000
Down payment
$110,000
Total interest
$561,196
Principal + interest paid
$1,001,196
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.

11857 Xavier Ave, Port Charlotte, FL 33981

Listing courtesy of RE/MAX HARBOR REALTY · MLS# C7533277 · Active

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

In person · Wed, Nov 11 · 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 Nov 10, 2026, 11:38 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]