$418,900
Active20263 Ladner Ave, Port Charlotte, FL 33954
3 beds · 2 baths · 1,556 sq ft
Listing courtesy of LPT REALTY, LLC · MLS# N6145804
41 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Virtually Staged. RARE 2.8% ASSUMABLE MORTGAGE OPPORTUNITY! Qualified buyers may have the opportunity to assume the seller's existing mortgage at approximately 2.8%, subject to lender approval and loan-assumption requirements. BRING THE RV. BRING THE BOAT. BRING THE CARS. THERE’S ROOM FOR ALL OF IT! This is the Port Charlotte property buyers with toys, hobbies and big plans rarely find—a 3-BEDROOM, 2-BATH HOME paired with an incredible 30' x 50' CLIMATE-CONTROLLED DETACHED BUILDING and NO HOA. The massive 1,500 SQ FT BUILDING is the showstopper. A 16' WIDE x 14' HIGH OVERHEAD DOOR gives you serious clearance for an RV, boat, large vehicles, equipment or a car collection. Inside, you'll find DEDICATED 200-AMP ELECTRICAL SERVICE WITH ITS OWN METER, plenty of wall outlets and 50-AMP RV SERVICE. Workshop, collector-car garage, RV headquarters, hobby space or the ultimate place for all the toys—this is the kind of building people usually wish their property had. And the house delivers, too, with UPDATED HURRICANE WINDOWS, a NEWER ROOF, 3 BEDROOMS, 2 BATHROOMS and an attached 2-CAR GARAGE. Enjoy the freedom of NO HOA and the convenience of keeping your vehicles, equipment and hobbies right at home instead of paying for storage somewhere else. Need even more room? Here's what makes this opportunity especially unique: the seller owns THREE ADDITIONAL ADJOINING LOTS AVAILABLE FOR SEPARATE PURCHASE—one beside the property and two adjoining the rear. Purchase the home and building as offered, or explore adding the additional lots to create an expansive multi-lot property with exceptional room for the RV, boat, trailers, vehicles and whatever comes next. NO HOA. 1,500 SQ FT CLIMATE-CONTROLLED BUILDING. 14' HIGH DOOR. 200-AMP SERVICE. 50-AMP RV HOOKUP. UPDATED HURRICANE WINDOWS. NEWER ROOF. PLUS 3 ADDITIONAL ADJOINING LOTS AVAILABLE. If you've been searching for a home where you don't have to compromise on SPACE, STORAGE OR FREEDOM, you just found it.
Facts
- Property type
- Single Family Residence
- Year built
- 1987
- Bathrooms
- 2 full
- Living area
- 1,556 sqft
- Lot size
- 0.46 acres
- Private pool
- No
- Exposure
- South
- Furnished
- Negotiable
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $2,914/yr
- Listed
- Sep 16, 2026
- MLS #
- N6145804
Price & status history
- Listed for $429,900
- Price reduced to $428,900
- Price reduced to $423,900
- Price reduced to $418,900
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 20263 LADNER 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
$2,710
$2,118 of that is principal & interest. 22% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,118
- Property taxes
- $243
- Homeowners insurance
- $349
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,710
Over the life of the loan
- Loan amount
- $335,120
- Down payment
- $83,780
- Total interest
- $427,427
- Principal + interest paid
- $762,547
- 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.
20263 Ladner Ave, Port Charlotte, FL 33954
Listing courtesy of LPT REALTY, LLC · MLS# N6145804 · 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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