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Lasbury Tracy Realty Inc
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$495,000

Active

16451 Sprague Ave, Port Charlotte, FL 33954

5 beds Β· 3.5 baths Β· 3,840 sq ft

Listing courtesy of PREMIERE PLUS REALTY COMPANY Β· MLS# A4712934

Listed today

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

About this home

Red brick under old live oaks, moss hanging before the place was built, and a driveway lit by lamp posts that curls right up to a pair of white double doors that hug you in. You park in the shade and you pinch yourself for owning this brick beauty - a beautiful Florida Farmhouse! Inside, it’s fully renovated from top to bottom. New plumbing, new electrical, new interior and exterior doors, plus new hurricane windows. All of it permitted and built to current code. Two separate AC systems, one per floor, keep every room at its own temperature. The finish work matches: a white quartz kitchen that opens to the dining space, a primary bath with a glass walk-in shower, plank flooring on both floors, and recessed lighting throughout. There’s a stone wall in this house that climbs two stories, and everyone who walks in stops in front of it for a second. That’s the living room, with the fireplace at its base and the upstairs landing looking right down on it. Yes you get three cold nights in Florida but this fireplace makes the most of every one. Outside, the streets are wooded and quiet, tucked between Sarasota and Charlotte counties, but nothing is ever really far. US-41 is about five minutes away and I-75 is around ten, so groceries, the hospital and the highway all feel close. Weekends are where it gets good. Walk the pond loop at Ollie’s Pond, hike the trails at Tippecanoe, or head to Walton Ranch Preserve, where cattle graze right beside the path. Spend the afternoon at Port Charlotte Beach Park and the harbor, then finish with a pint at Charlie Foxtrot Brewing. Quiet where you sleep, close to everything when you’re not. (NOT in a Flood Zone)

Facts

Property type
Single Family Residence
Year built
1977
Bathrooms
3 full, 1 half
Living area
3,840 sqft
Lot size
0.26 acres
Private pool
No
Exposure
North
Furnished
Unfurnished
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$1,289/yr
Listed
Nov 12, 2026
MLS #
A4712934

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty β€” not a loan offer

Starting figures for 16451 SPRAGUE 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 β€” 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 β€” we will not inflate a payment with a guess. Many homes here need it; the flood zone and the current policy's premium decide the number.

Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.

AssumptionNot applied β€” your down payment is 20% or more.

Estimated total monthly payment

$3,023

$2,503 of that is principal & interest. 17% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$2,503
Property taxes
$107
Homeowners insurance
$413
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$3,023

Over the life of the loan

Loan amount
$396,000
Down payment
$99,000
Total interest
$505,076
Principal + interest paid
$901,076
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 β€” the calculator sends none of them anywhere, and no lender is quoting you. Only the separate flood & insurance request sends anything: what you type into it, to a Lasbury Tracy agent. 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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The closest recent sales to this home, with what they sold for and when.

Take a tour

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16451 Sprague Ave, Port Charlotte, FL 33954

Listing courtesy of PREMIERE PLUS REALTY COMPANY Β· MLS# A4712934 Β· Active

How would you like to see it?
Which day?
What time of day?

In person Β· Fri, Nov 13 Β· Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

Where this home is

Opens on aerial β€” on this coast the canal, the lot and the neighbours answer more questions than a street grid does.

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 Nov 12, 2026, 8:39 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. Β· [email protected]