$15,000
Active12395 Kneeland Ter, Port Charlotte, FL 33981
0.23 acre lot
Listing courtesy of BROOME REALTY LLC · MLS# D6148451
67 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- waterfront community
- community boat ramp
- community park
- playground
- adjacent lot available
AI-selected highlights from the listing description below.
Discover an exceptional opportunity to build your dream home in the desirable Gulf Cove community of Port Charlotte! This homesite offers the perfect setting to enjoy the relaxed Florida lifestyle in a charming waterfront community. For those looking for additional space, the adjoining lot at 12403 Kneeland Terrace is also available for separate purchase, creating a great opportunity to own two side-by-side lots. Gulf Cove residents have the option to join the Property Owners Association and enjoy access to community amenities. For an annual fee of $75, residents can access the community boat ramp, providing convenient access to the area's beautiful waterways. An additional $75 annual fee provides access to the community park and playground. Whether you're planning your future Florida home, looking for extra space, or considering an investment opportunity, this property offers plenty of possibilities in a welcoming waterfront community.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Exposure
- Southwest
- Flood zone
- AE*
- CDD
- No
- Annual taxes
- $425/yr
- Listed
- Aug 15, 2026
- MLS #
- D6148451
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 12395 KNEELAND TER. 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
$311
$76 of that is principal & interest. 76% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $76
- Property taxes
- $35
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $311
Over the life of the loan
- Loan amount
- $12,000
- Down payment
- $3,000
- Total interest
- $15,305
- Principal + interest paid
- $27,305
- 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
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12395 Kneeland Ter, Port Charlotte, FL 33981
Listing courtesy of BROOME REALTY LLC · MLS# D6148451 · 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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