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$299,900

Active Under Contract

21064 Higgs Dr, Port Charlotte, FL 33952

4 beds Β· 2 baths Β· 1,798 sq ft

Listing courtesy of RE/MAX PALM REALTY Β· MLS# N6142612

252 days on market

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

About this home

What’s special

  • waterfront canal frontage
  • mother-in-law suite
  • kayak launch
  • tiki-style gazebo
  • dual hot tubs
  • Charlotte Harbor access
  • vacation rental income

AI-selected highlights from the listing description below.

Under contract-accepting backup offers. WATERFRONT HOME WITH BONUS MOTHER-IN-LAW SUITE AND QUICK HARBOR ACCESS: Perfectly situated on an oversized, nearly 14,000 square foot pie-shaped waterfront lot with approximately 148 feet of canal frontage and intersecting canal views, this residence offers a rare blend of boating access, privacy, exceptional outdoor space, and flexible living options. Whether enjoyed as a primary residence, multi-generational living setup, seasonal retreat, or income-producing property, this waterfront home delivers a unique lifestyle. Located just 0.9 miles from Charlotte Harbor with only one high-clearance bridge, the property provides easy access to open water while maintaining a peaceful setting. The home is divided into two living spaces, creating flexibility for a variety of uses. The main residence features three bedrooms, one bathroom, a spacious living room, open kitchen, interior laundry room, and a bonus Florida room currently configured as a game room. The separate mother-in-law suite features its own private entrance, bedroom, full bathroom, kitchenette, dining area, living space, and laundry closet. The kitchenette includes a range, refrigerator, and microwave. Ideal for guests, extended family, or rental income, the suite has also been successfully utilized as a short-term vacation rental. Together, the property generated more than $12,000 in gross Airbnb and VRBO revenue during the 2026 season (February-March). The suite also offers the future option of reconnecting to the main residence and features a brand-new split-system air conditioner. The outdoor living space is truly exceptional, offering a tranquil backyard designed to maximize the waterfront setting. Features include a large covered 12x27 tiki-style gazebo with metal roof, outdoor grilling stations, kayak launch, picnic tables, floating dock, mature trees, and a separate storage shed. Recent updates include new washer and dryer sets with transferable warranties, flooring, interior paint, fixtures, a 2025 water heater, and a fully updated electrical system featuring a new 200-amp service panel. Minutes from Charlotte Harbor boating, fishing, and waterfront recreation, the property enjoys convenient access to nearby marinas including Charlotte Harbor Yacht Club, Fishermen's Village Marina, and Safe Harbor Burnt Store. Explore waterfront dining, shopping, and entertainment at Fishermen's Village in Punta Gorda. Beautiful Gulf beaches including Englewood Beach, Stump Pass Beach State Park, Manasota Key, and Gasparilla Island State Park are just a short drive away, offering swimming, shelling, boating, and endless Florida sunshine. The area is also known for outstanding golf, world-class fishing, restaurants, shopping, and amenities throughout Port Charlotte, Punta Gorda, and surrounding coastal communities. FURNISHINGS NOT INCLUDED!

Facts

Property type
Single Family Residence
Year built
1961
Bathrooms
2 full
Living area
1,798 sqft
Lot size
0.32 acres
Waterfront
Yes Β· 148 ft
Water access
Bay/Harbor, Canal - Saltwater, Gulf/Ocean, Intracoastal Waterway
Water view
Yes
Private pool
No
Exposure
Northeast
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$5,522/yr
Listed
Jan 30, 2026
MLS #
N6142612

Price & status history

  1. Listed for $350,000
  2. Price reduced to $299,900from $325,000
  3. Status changed to Active Under Contract

Virtual tour

Tours are hosted by the seller’s chosen provider, not by Lasbury-Tracy Realty. Opening one loads content from that company and shares your IP address with them.

Estimate the monthly payment

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

Starting figures for 21064 HIGGS DR. 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; 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 β€” your down payment is 20% or more.

Estimated total monthly payment

$2,227

$1,516 of that is principal & interest. 32% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$1,516
Property taxes
$460
Homeowners insurance
$250
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$2,227

Over the life of the loan

Loan amount
$239,920
Down payment
$59,980
Total interest
$306,005
Principal + interest paid
$545,925
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€” 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 β€” a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

21064 Higgs Dr, Port Charlotte, FL 33952

Listing courtesy of RE/MAX PALM REALTY Β· MLS# N6142612 Β· Active Under Contract

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

In person Β· Thu, Oct 29 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.

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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 Oct 28, 2026, 9:51 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]