$119,900
Active21098 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 offerStarting 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
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21098 Gephart Ave, Port Charlotte, FL 33952
Listing courtesy of CENTURY 21 SUNBELT REALTY · MLS# C7527112 · 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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