$26,000
Active23485 Winthrob Ave, Punta Gorda, FL 33980
0.23 acre lot
Listing courtesy of SMITH REALTY AND ASSOC INC · MLS# NS1085610
456 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- vacant residential lot
- quiet paved street
- non-HOA neighborhood
- no flood zone
- Gulf Coast beach access
AI-selected highlights from the listing description below.
Discover the perfect opportunity to build your dream home or invest in one of Southwest Florida’s most desirable growing communities. This vacant residential lot in Port Charlotte, FL is ideally situated on a quiet, paved street with easy access to shopping, dining, schools, and Gulf Coast beaches. Located in a non-HOA neighborhood and no flood zone (Zone X), this property offers flexibility and freedom for builders or homeowners. According to the Charlotte County GIS map, the lot is not located in a scrub jay zone
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Flood zone
- X
- Annual taxes
- $454/yr
- Listed
- Jul 29, 2025
- MLS #
- NS1085610
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 23485 WINTHROB 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
$369
$131 of that is principal & interest. 64% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $131
- Property taxes
- $38
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $369
Over the life of the loan
- Loan amount
- $20,800
- Down payment
- $5,200
- Total interest
- $26,529
- Principal + interest paid
- $47,329
- 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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23485 Winthrob Ave, Punta Gorda, FL 33980
Listing courtesy of SMITH REALTY AND ASSOC INC · MLS# NS1085610 · 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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