$495,000
ActivePrice drops, under contract and the sold price, by email.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 listingβs 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, itβs 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. Thereβs a stone wall in this house that climbs two stories, and everyone who walks in stops in front of it for a second. Thatβs 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 Ollieβs 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 youβre 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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Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty β not a loan offerStarting 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.
What did the most similar homes nearby actually sell for?
The closest recent sales to this home, with what they sold for and when.
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16451 Sprague Ave, Port Charlotte, FL 33954
Listing courtesy of PREMIERE PLUS REALTY COMPANY Β· MLS# A4712934 Β· Active
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.
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