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Lasbury Tracy Realty Inc
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$400,000

Pending

1222 Underhill Cir, Port Charlotte, FL 33953

3 beds · 2 baths · 1,362 sq ft

Listing courtesy of TALL PINES REALTY · MLS# D6146068

210 days on market

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

About this home

Crafted Beyond Compare-Built for a Lifetime of Excellence. Built ABOVE and BEYOND standard building practices, this CUSTOM home was originally designed and constructed as the builder's personal residence. QUALITY, DURABILITY, and LONG-TERM performance were prioritized throughout, with PREMIUM materials, SUPERIOR construction methods, and structural upgrades rarely found in today's new construction homes. Built for Florida living, the home features a raised STEM WALL foundation, PGT IMPACT-rated windows and DOORS, ZIP System roof sheathing with all seams taped, R-38 insulation, SOUND-INSULATED interior walls, mold-RESISTANT drywall, and a PREMIUM 24-gauge standing seam METAL roof with high temperature underlayment. Additional exterior features include smooth sandstone stucco, 7-inch seamless gutters, insulated garage door with belt-drive opener, tongue-and-groove lanai ceiling, white aluminum railings, professional irrigation, St. Augustine sod, decorative Black Onyx rock landscaping, paver driveway, SCREENED lanai enclosure, CITY WATER, and a two-car garage. The interior showcases a modern open design with 9-foot ceilings, crown molding, SOLID WOOD interior doors, encased windows, OVERSIZED designer tile, LED lighting, vinyl blinds, garbage disposal, and premium finishes throughout. The chef's kitchen features a complete BOSCH appliance package, matching cooktop, Blanco granite composite sink, quartz waterfall island, white shaker cabinetry with crown molding, oak accent island, and under-cabinet LED lighting. The owner's suite offers a spa-inspired bath with designer tile, glass enclosure treated with Diamond Fusion, illuminated LED mirrors, and a bidet toilet. Unlike typical builder-grade homes, this residence was built with a focus on STRENTH, EFFICIENCY, STORM protection, and low-maintenance ownership—making it a rare opportunity for buyers who appreciate SUPERIOR construction and lasting value.

Facts

Property type
Single Family Residence
Year built
2025
Bathrooms
2 full
Living area
1,362 sqft
Lot size
0.23 acres
Private pool
No
Exposure
East
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$421/yr
Listed
Feb 9, 2026
MLS #
D6146068

Price & status history

  1. Listed for $485,000
  2. Price reduced to $400,000from $420,000
  3. Status changed to Pending

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 1222 UNDERHILL CIR. 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

$2,391

$2,023 of that is principal & interest. 15% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$2,023
Property taxes
$35
Homeowners insurance
$333
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$2,391

Over the life of the loan

Loan amount
$320,000
Down payment
$80,000
Total interest
$408,142
Principal + interest paid
$728,142
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.

1222 Underhill Cir, Port Charlotte, FL 33953

Listing courtesy of TALL PINES REALTY · MLS# D6146068 · Pending

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, 10:25 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]