$249,000
Active Under Contract21239 Cottonwood Ave, Port Charlotte, FL 33952
2 beds · 2 baths · 1,366 sq ft
Listing courtesy of REMAX LANDMARK · MLS# C7527650
70 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Canal-front location
- Hurricane-rated impact windows
- Hurricane garage door
- Porch enclosure
- Above-ground pool
- Grid-tied solar system
- Flood Zone X designation
- No HOA restrictions
AI-selected highlights from the listing description below.
Under contract-accepting backup offers. Welcome to the ultimate worry-free, low-overhead waterfront lifestyle! This beautifully modernized 2-bedroom, 2-bathroom canal-front retreat has been systematically updated from top to bottom, offering an unmatchable combination of luxury, efficiency, and fortress-like storm protection. The heavy lifting has already been done for you, featuring a new roof (2023), hurricane-rated impact windows (2020), and a hurricane garage door (2022)—all combining to unlock maximum homeowners insurance discounts from day one. Step inside to find a fully remodeled primary bathroom boasting premium finishes, modern vanities, and sleek contemporary hardware. Additional mechanical peace of mind includes a new water heater (2020). Love outdoor living? The sprawling porch enclosure (2023) offers a massive, bug-free space to relax and soak in the wide, peaceful views of your freshwater canal. The backyard is a true tropical oasis, complete with mature palms, an above-ground pool with a custom-built wood step deck, and a sliding screen enclosure on the garage opening for perfect cross-ventilated workspaces. Forget about high recurring monthly overhead: the premium, grid-tied Enphase solar system fully offsets the electric bill, while the Flood Zone X designation eliminates mandatory flood insurance. With no HOA restrictions, you can freely utilize the extended concrete parking pad for your large RV, boat, or trailer. Opportunities with this caliber of upgrades, water views, and monthly cost savings do not last long in Port Charlotte—schedule your private tour today!
Facts
- Property type
- Single Family Residence
- Year built
- 1972
- Bathrooms
- 2 full
- Living area
- 1,366 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes · 80 ft
- Water access
- Canal - Freshwater
- Water view
- Yes
- Private pool
- Yes
- Exposure
- North
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $2,538/yr
- Listed
- Jun 19, 2026
- MLS #
- C7527650
Price & status history
- Listed for $259,000
- Price reduced to $249,000from $253,000
- Status changed to Active Under Contract
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 21239 COTTONWOOD 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
$1,678
$1,259 of that is principal & interest. 25% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,259
- Property taxes
- $212
- Homeowners insurance
- $208
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $1,678
Over the life of the loan
- Loan amount
- $199,200
- Down payment
- $49,800
- Total interest
- $254,069
- Principal + interest paid
- $453,269
- 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.
21239 Cottonwood Ave, Port Charlotte, FL 33952
Listing courtesy of REMAX LANDMARK · MLS# C7527650 · Active Under Contract
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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