$26,000
Active12148 N Access Rd, Port Charlotte, FL 33981
0.23 acre lot
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · MLS# A4698149
125 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- No HOA
- No deed restrictions
- No CDDs
- Quarter acre lot
- Near Englewood Beach
AI-selected highlights from the listing description below.
No HOA, deed restrictions or CDDs!!! Don't wait until demand exceeds supply!! Not in a zone requiring scrub jay mitigation per the county website 06/25/26 - please reconfirm during due diligence. This great Residential Single Family Home zoned lot in beautiful Port Charlotte is just waiting for you!! This is nearly a quarter of an acre of the sunny Florida dream. Although out in the scenic Florida landscape, this lot is still conveniently located to shopping, dining, banking, etc. New construction is everywhere you look and you can be part of the action. Information about builders available upon request. Also perfect for self-directed IRA's, 401K's and other investment portfolios. 7.6 MILES FROM ENGLEWOOD BEACH!!!
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Flood zone
- X
- Annual taxes
- $791/yr
- Listed
- Jun 25, 2026
- MLS #
- A4698149
Virtual tour
- Property Panorama tourpropertypanorama.comView the virtual tour(opens propertypanorama.com in a new tab)
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 12148 N ACCESS RD. 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
$397
$131 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
- $131
- Property taxes
- $66
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $397
Over the life of the loan
- Loan amount
- $20,800
- Down payment
- $5,200
- Total interest
- $26,529
- Principal + interest paid
- $47,329
- 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.
12148 N Access Rd, Port Charlotte, FL 33981
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · MLS# A4698149 · 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.
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