$309,000
Active1276 White Oak Trl #3, Port Charlotte, FL 33948
3 beds · 2 baths · 1,561 sq ft
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · MLS# C7529672
70 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- screened lanai
- private wooded view
- tray ceiling
- built-in jewelry cabinet
- walk-in tub/shower
- accordion hurricane shutters
- heated pool
- gated community
AI-selected highlights from the listing description below.
REDUCED! Heritage Oak Park Villa is a rare find, with only 16 of its kind on this peaceful cul-de-sac. Enjoy a private wooded view from the screened lanai in this spacious 1,561 sq. ft. home featuring 3 bedrooms, 2 full baths, and a large 2-car garage. The open layout boasts a great room with tray ceiling, glass sliders to the lanai, and a kitchen perfect for entertaining, complete with a breakfast bar, raised panel cabinets, and stainless appliances, including a brand-new microwave and range. A roomy dining area and built-in desk space sit just off the kitchen. The master suite offers lanai access, a walk-in closet, built-in jewelry cabinet, and an ensuite bath with walk-in shower, dual sinks, private toilet area, walkin tub/shower and extra removable storage cabinet. The split floorplan provides two additional bedrooms and a second bath with a tub/shower combo. Additional perks include volume ceilings, tile throughout (carpet in the master), accordion hurricane shutters, custom top treatments on windows and slider, ceiling fans, new roof (2018), new A/C and heat (2020), and new water heater (2020). The garage is equipped with pull-down attic stairs, storage shelves, workbench, extra fridge, and a generator. Exterior maintenance is handled by the condo association, with low quarterly fees of $775. Heritage Oak Park is a vibrant gated community offering a clubhouse, heated pool, fitness center, tennis & pickleball courts, walking trails, and a full calendar of activities planned by an on-site director. Built around all the old oak trees, you feel like you are in the country, yet it is only walking distance of Publix, the YMCA, Charlotte County Library, and only a short drive to major shopping & restaurants!
Facts
- Property type
- Villa
- Year built
- 2003
- Bathrooms
- 2 full
- Living area
- 1,561 sqft
- Private pool
- No
- Exposure
- Southeast
- Furnished
- Unfurnished
- Flood zone
- X500
- CDD
- Yes
- 55+ community
- No
- Annual taxes
- $4,542/yr
- Monthly fees
- $258/mo
- Listed
- Aug 17, 2026
- MLS #
- C7529672
Price & status history
- Listed for $329,900
- Price reduced to $309,000
Virtual tour
- Matterport 3-D tourmy.matterport.com
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 1276 WHITE OAK TRL #3. 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.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$2,456
$1,562 of that is principal & interest. 36% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,562
- Property taxes
- $379
- Homeowners insurance
- $258
- Flood insurance
- $0
- HOA / condo fees
- $258
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,456
Over the life of the loan
- Loan amount
- $247,200
- Down payment
- $61,800
- Total interest
- $315,290
- Principal + interest paid
- $562,490
- 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.
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1276 White Oak Trl #3, Port Charlotte, FL 33948
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · MLS# C7529672 · 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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