$32,900
Active12960 Xavier Ave, Port Charlotte, FL 33981
0.23 acre lot
Listing courtesy of KW PEACE RIVER PARTNERS · MLS# C7527987
118 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- waterfront lot
- Lafitte Waterway
- cleared and leveled
- septic permit
- engineering drawings
- Gulf beaches access
AI-selected highlights from the listing description below.
Build your waterfront dream home in one of Port Charlotte’s most desirable and convenient locations! Situated along the scenic Lafitte Waterway, this ready-to-build lot offers the perfect blend of lifestyle, location, and value. Imagine living just a short walk from your children’s school while enjoying easy access to shopping, dining, and some of Southwest Florida’s most beautiful Gulf beaches. Whether you're planning your forever home or investing in the future, this property checks all the boxes. This prime parcel has already been cleared, leveled, and surveyed, saving you valuable time and thousands in upfront costs. Even better, key groundwork is complete with a septic permit, survey, and engineering drawings already in place—making your building process smooth and efficient from day one. With continued growth and development in Port Charlotte, opportunities like this are becoming increasingly rare. Secure your slice of waterfront paradise now and build before rising land and construction costs take hold.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Waterfront
- Yes · 80 ft
- Water access
- Canal - Brackish, Canal - Freshwater
- Water view
- Yes
- Flood zone
- 8AE
- Annual taxes
- $744/yr
- Listed
- Jun 29, 2026
- MLS #
- C7527987
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 12960 XAVIER AVE. 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
$428
$166 of that is principal & interest. 61% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $166
- Property taxes
- $62
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $428
Over the life of the loan
- Loan amount
- $26,320
- Down payment
- $6,580
- Total interest
- $33,570
- Principal + interest paid
- $59,890
- 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.
12960 Xavier Ave, Port Charlotte, FL 33981
Listing courtesy of KW PEACE RIVER PARTNERS · MLS# C7527987 · 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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