$105,000
Active18522 Ayrshire Cir, Port Charlotte, FL 33948
0.23 acre lot
Listing courtesy of BEYOND REALTY LLC · MLS# N6140497
412 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- waterfront lot
- direct bay access
- sailboat-depth water
- no fixed bridges
- partially cleared
- charlotte harbor views
AI-selected highlights from the listing description below.
Rare Waterfront Residential Lot Opportunity in Sunny Port Charlotte! This prime, buildable lot offers direct access to the Bay and Gulf with sailboat-depth water and no fixed bridges—a boater’s dream! Nestled in a quiet tropical setting, the property has already been partially cleared, making it easy to start planning your Florida waterfront retreat. Imagine stepping out your back door, hopping on your boat, and cruising the turquoise waters of Charlotte Harbor in minutes. Surrounded by lush tropical landscape, year-round sunshine, and a community known for fishing, boating, and relaxed coastal living, this property is the perfect place to build your forever home, seasonal getaway, or a highly sought after rental. New construction is booming in this area, so secure your piece of paradise while you can. Conveniently located near world-class beaches, golf, dining, and shopping. Don’t miss this rare chance to own a true waterfront gem with unrestricted boating access!
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Waterfront
- Yes
- Water access
- Bay/Harbor, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, River
- Water view
- Yes
- Flood zone
- AE
- CDD
- No
- Annual taxes
- $1,483/yr
- Listed
- Sep 10, 2025
- MLS #
- N6140497
Price & status history
- Listed for $109,000
- Price reduced to $105,000
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 18522 AYRSHIRE CIR. 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
$855
$531 of that is principal & interest. 38% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $531
- Property taxes
- $124
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $855
Over the life of the loan
- Loan amount
- $84,000
- Down payment
- $21,000
- Total interest
- $107,137
- Principal + interest paid
- $191,137
- 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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18522 Ayrshire Cir, Port Charlotte, FL 33948
Listing courtesy of BEYOND REALTY LLC · MLS# N6140497 · 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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