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$279,900

Active Under Contract

123 Mercer St, Port Charlotte, FL 33954

3 beds · 2 baths · 1,264 sq ft

Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · MLS# N6145526

9 days on market

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

About this home

Under contract-accepting backup offers. Some homes just make everyday life easier, and 123 Mercer Street is one of them. Tucked along a quiet residential street in Port Charlotte, this beautifully maintained 3 bedroom, 2 bathroom home offers the privacy, updates, and freedom buyers are looking for, all with NO HOA. Step inside to a bright, inviting interior featuring wood look tile flooring throughout the main living areas and a fresh, functional kitchen complete with stainless steel appliances installed in 2025. The primary suite has been thoughtfully refreshed with new carpet in the bedroom and a beautifully renovated bathroom featuring contemporary finishes and dual vanities. Major improvements have already been taken care of, including a 2023 roof, new electrical panel installed in 2025, and PAID OFF SOLAR PANELS, giving the next owner the benefits of solar without an additional solar payment to assume. Out back, the home transforms into a private retreat. A fully fenced backyard, wood privacy fencing, and established privacy landscaping create a peaceful setting with plenty of room for pets, entertaining, gardening, or simply unwinding outside at the end of the day. Adding to the sense of space and privacy, the neighboring property owner currently owns both adjacent lots, leaving 123 Mercer with additional breathing room on both sides and no homes immediately next door. Add in a 2 car garage, comfortable 3 bedroom layout, and the freedom of living without HOA restrictions or fees, and 123 Mercer Street delivers an appealing combination of thoughtful updates, privacy, and practicality. Clean, updated, and ready for its next chapter, this is a home you can settle into from day one. Schedule your private showing today!

Facts

Property type
Single Family Residence
Year built
2004
Bathrooms
2 full
Living area
1,264 sqft
Lot size
0.23 acres
Private pool
No
Exposure
East
Furnished
Partially
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$1,452/yr
Listed
Sep 8, 2026
MLS #
N6145526

Price & status history

  1. Listed for $279,900
  2. Status changed to Active
  3. Status changed to Active Under Contract

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 123 MERCER ST. 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

$1,770

$1,415 of that is principal & interest. 20% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$1,415
Property taxes
$121
Homeowners insurance
$233
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$1,770

Over the life of the loan

Loan amount
$223,920
Down payment
$55,980
Total interest
$285,598
Principal + interest paid
$509,518
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.

123 Mercer St, Port Charlotte, FL 33954

Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · MLS# N6145526 · Active Under Contract

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, 9:51 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]