$444,000
Active12532 Buffing Rd, Port Charlotte, FL 33981
6 beds · 4 baths · 2,136 sq ft
Listing courtesy of HOMESMART · MLS# TB8539323
74 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- fully leased duplex
- interior laundry room
- no flood insurance required
- greenbelt backing
- walk-in closets
- 2023-built construction
AI-selected highlights from the listing description below.
Investor Alert! 2023-Built Duplex — Fully Leased & 100% Turnkey This 2023-built modern duplex is a true set-and-forget investment: both units are leased and generating income, delivering immediate, stabilized cash flow from day one with zero lease-up risk. For investors seeking a hands-off addition to their portfolio—this is as turnkey as it gets: newer construction, minimal maintenance, and tenants already in place. Each side is thoughtfully designed with 3 bedrooms, 2 bathrooms, a private 1-car garage, and an interior laundry room—a layout that drives strong tenant demand and low turnover. With both doors already occupied, you step into an established rent roll rather than chasing occupancy. Both units feature luxury vinyl flooring for durability and low turnover cost, high ceilings, and open-concept layouts that keep interiors bright and rentable. Kitchens include contemporary cabinetry, stainless steel appliances, and ample counter space. Each owner's suite offers a large walk-in closet and an ensuite bath with walk-in shower, while guest baths feature a tile tub/shower combination—finishes that command quality tenants and support long-term appreciation. Built for resilience and low carrying costs: hurricane impact-resistant windows and doors throughout, and no flood insurance required—protecting both your asset and your net operating income. Connected to public water and sewer, the property sits on a quiet street backing to a greenbelt with no rear neighbors, adding the privacy tenants value and helping retention. Location supports lasting demand: minutes from Gulf Coast beaches, championship golf, dining, shopping, and entertainment, with schools, hospitals, and recreation all an easy drive—and Englewood Beach and Boca Grande under 25 minutes away. Newer construction. Both units leased. Immediate, stabilized income with minimal upkeep. This is the low-maintenance, cash-flowing asset serious investors and turnkey buyers look.
Facts
- Property type
- Duplex
- Year built
- 2022
- Living area
- 2,136 sqft
- Lot size
- 0.23 acres
- Private pool
- No
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $7,918/yr
- Listed
- Aug 15, 2026
- MLS #
- TB8539323
Price & status history
- Listed for $459,000
- Price reduced to $444,000
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 12532 BUFFING 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
$3,275
$2,245 of that is principal & interest. 31% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,245
- Property taxes
- $660
- Homeowners insurance
- $370
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,275
Over the life of the loan
- Loan amount
- $355,200
- Down payment
- $88,800
- Total interest
- $453,038
- Principal + interest paid
- $808,238
- 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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12532 Buffing Rd, Port Charlotte, FL 33981
Listing courtesy of HOMESMART · MLS# TB8539323 · 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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