$449,000
Active12038 Florence Ave, Port Charlotte, FL 33981
3 beds · 2 baths · 1,828 sq ft
Listing courtesy of CENTURY 21 SUNBELT REALTY · MLS# D6148881
33 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Welcome to 12038 Florence Avenue, a beautifully renovated 3-bedroom, 2-bath POOL HOME on a DOUBLE LOT offering 1,828 square feet of bright, open living space in Port Charlotte. Thoughtfully updated throughout, this home features a stunning remodeled kitchen, beautifully renovated primary and guest bathrooms, updated interior finishes and sleek flooring that create a fresh, modern feel from the moment you walk in. Major improvements include a NEW ROOF, NEW A/C SYSTEM and new saltwater pool pump, along with a newer pool heater and water heater, giving buyers added peace of mind. The open-concept living and dining areas flow effortlessly toward the screened outdoor living space and HEATED SALTWATER POOL, creating an ideal setup for entertaining, relaxing and enjoying the Florida lifestyle year-round. Situated on a 0.46-ACRE lot with a 2-car garage, public water and sewer, this home has also operated successfully as a vacation rental since 2021, with turnaround records available. An option to purchase the property fully furnished may also be available. Move-in ready and packed with thoughtful upgrades, this Port Charlotte pool home offers the perfect combination of comfort, style and functionality. Purchase price reflects the inclusion of the lot next door.
Facts
- Property type
- Single Family Residence
- Year built
- 1992
- Bathrooms
- 2 full
- Living area
- 1,828 sqft
- Lot size
- 0.46 acres
- Private pool
- Yes
- Exposure
- East
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $5,587/yr
- Listed
- Sep 25, 2026
- MLS #
- D6148881
Price & status history
- Listed for $459,000
- Price reduced to $449,000
Virtual tour
- Property Panorama tourpropertypanorama.comView the virtual tour(opens propertypanorama.com in a new tab)
Opens propertypanorama.com in a new tab.
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 offerStarting figures for 12038 FLORENCE 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
$3,110
$2,270 of that is principal & interest. 27% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,270
- Property taxes
- $466
- Homeowners insurance
- $374
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,110
Over the life of the loan
- Loan amount
- $359,200
- Down payment
- $89,800
- Total interest
- $458,140
- Principal + interest paid
- $817,340
- 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.
12038 Florence Ave, Port Charlotte, FL 33981
Listing courtesy of CENTURY 21 SUNBELT REALTY · MLS# D6148881 · Active
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.
More homes in Port Charlotte
Want an email when homes like this list?
New Port Charlotte listings with at least 3 bedrooms up to $565,000. Free, and you can stop any time.
