$50,000
Active186 Northshore Ter, Punta Gorda, FL 33980
0.23 acre lot
Listing courtesy of RE/MAX ALLIANCE GROUP · MLS# A4698750
119 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Waterfront boat lot
- Saltwater canal access
- Peace River access
- Charlotte Harbor access
- Wooded homesite
- Multiple lots
AI-selected highlights from the listing description below.
Build your dream home on this exceptional offering in the heart of Charlotte Harbor! This unique property includes Lots 5 & 6 along with Boat Lot 5A located directly across the street. A survey is available and attached to the listing, and public water and sewer are nearby for future connection. Nestled on a wooded homesite, you'll have the opportunity to create the custom home you've always envisioned while enjoying the privacy and natural beauty of mature trees. Buyers are encouraged to walk the property and experience its potential firsthand. Included with the property is Boat Lot 5A, situated on a saltwater canal with access to the Peace River and Charlotte Harbor, offering outstanding opportunities for boating, fishing, kayaking, and enjoying Southwest Florida's waterfront lifestyle. The feasibility of constructing a boat dock and the navigability of the canal are unknown. Buyers are encouraged to conduct their own due diligence to verify suitability for their intended use. Ideally located just minutes from Sunseeker Resort, Fishermen's Village, the Punta Gorda Harborwalk, historic downtown Punta Gorda, and downtown Port Charlotte, you'll enjoy convenient access to waterfront dining, shopping, entertainment, marinas, golf courses, parks, and everything that makes Southwest Florida such a desirable place to call home. Whether you're looking to build your primary residence, a seasonal retreat, or an investment property, this rare package offers the flexibility, location, and lifestyle to bring your vision to life.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Exposure
- East
- Flood zone
- AE
- Annual taxes
- $437/yr
- Listed
- Jul 1, 2026
- MLS #
- A4698750
Virtual tour
- Property Panorama tourpropertypanorama.comView the virtual tour(opens propertypanorama.com in a new tab)
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 186 NORTHSHORE TER. 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
$489
$253 of that is principal & interest. 48% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $253
- Property taxes
- $36
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $489
Over the life of the loan
- Loan amount
- $40,000
- Down payment
- $10,000
- Total interest
- $51,018
- Principal + interest paid
- $91,018
- 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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186 Northshore Ter, Punta Gorda, FL 33980
Listing courtesy of RE/MAX ALLIANCE GROUP · MLS# A4698750 · 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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