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Lasbury Tracy Realty Inc
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$119,900

Active

21098 Gephart Ave, Port Charlotte, FL 33952

3 beds · 2 baths · 1,371 sq ft

Listing courtesy of CENTURY 21 SUNBELT REALTY · MLS# C7527112

141 days on market

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

About this home

What’s special

  • Corner lot
  • Hurricane impact windows
  • Newer water heater
  • Front porch
  • Side porch
  • Kitchen pantry
  • Near Charlotte Harbor

AI-selected highlights from the listing description below.

Calling all investors, flippers, and savvy buyers looking for their next project! Opportunity awaits at 21098 Gephart Avenue in Port Charlotte. Situated on a desirable corner lot, this 3-bedroom, 2-bathroom home offers the perfect chance to add value and build equity. This handyman special is ready for a complete transformation and will require renovations including kitchen updates, flooring, interior paint, HVAC replacement, and additional improvements to bring it to its full potential. The property already offers several valuable features that can help reduce renovation costs, including a newer water heater, five hurricane impact windows installed in 2018, and a pantry in the kitchen providing additional storage space. Outdoor living areas include both a welcoming front porch and a side porch, creating multiple spaces for relaxation and entertaining once restored. Located in the heart of Port Charlotte, this property offers convenient access to US-41 (Tamiami Trail), Harbor Boulevard, Kings Highway, and Interstate 75, making commuting throughout Southwest Florida simple and convenient. Shopping and daily necessities are just minutes away with nearby Publix, ALDI, Walmart Supercenter, and numerous retail centers throughout Port Charlotte. Healthcare facilities are easily accessible, including ShorePoint Health Port Charlotte, providing comprehensive medical services to the area. For those seeking the Florida lifestyle, you'll enjoy being within a short drive of waterfront parks, fishing, boating, and some of Southwest Florida's most popular beaches, including Englewood Beach, Boca Grande, Manasota Key, and Venice Beach. The property is also conveniently located near Charlotte Harbor and numerous boat ramps for world-class boating and fishing opportunities. Travel is made easy with nearby airports including Punta Gorda Airport, offering direct flights to numerous destinations, while Southwest Florida International Airport is also within driving distance for expanded domestic and international travel options. Positioned between the growing communities of Punta Gorda, North Port, Englewood, and Venice, this property benefits from strong regional growth and continued demand for affordable housing and renovated homes. Whether you're looking for your next fix-and-flip project, rental investment, or a property to renovate and hold, this Port Charlotte opportunity offers tremendous upside potential for the right buyer willing to roll up their sleeves and bring their vision to life.

Facts

Property type
Single Family Residence
Year built
1960
Bathrooms
2 full
Living area
1,371 sqft
Lot size
0.23 acres
Private pool
No
Exposure
West
Furnished
Unfurnished
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$1,882/yr
Listed
Jun 9, 2026
MLS #
C7527112

Virtual tour

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting figures for 21098 GEPHART 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

$963

$606 of that is principal & interest. 37% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.

Principal & interest
$606
Property taxes
$157
Homeowners insurance
$200
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$963

Over the life of the loan

Loan amount
$95,920
Down payment
$23,980
Total interest
$122,341
Principal + interest paid
$218,261
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.

21098 Gephart Ave, Port Charlotte, FL 33952

Listing courtesy of CENTURY 21 SUNBELT REALTY · MLS# C7527112 · Active

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

In person · Thu, Oct 29 · Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

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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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, 8:57 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. · [email protected]