$395,000
Active23530 Clay Ave, Port Charlotte, FL 33954
3 beds · 2 baths · 1,812 sq ft
Listing courtesy of HUNT BROTHERS REALTY, INC. · MLS# A4692369
177 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- pool home
- screened lanai
- private pool oasis
- large storage shed
- side-loading two-car garage
- high ceilings
- split floor plan
AI-selected highlights from the listing description below.
Welcome to 23530 Clay in Port Charlotte, Florida, where comfort meets the Florida lifestyle.This lovingly, well-maintained 3-bedroom pool home offers a spacious split floor plan with high ceilings and abundant natural light, creating a bright and inviting atmosphere throughout. Sliding glass doors open to your private pool oasis with a screened lanai—perfect for relaxing, entertaining, and enjoying outdoor living year-round.The backyard features a large storage shed, providing extra space for storage or hobbies. Inside, the bedrooms showcase upgraded laminate flooring for a clean, modern touch. A side-loading two-car garage enhances curb appeal while adding everyday convenience. Ideally located with easy access to parks, shopping, dining, and the interstate, this home makes daily living simple and accessible. Spend your days soaking up the Florida sunshine, hosting poolside gatherings, or taking a short drive to nearby Gulf beaches with beautiful sandy shores and sunsets.
Facts
- Property type
- Single Family Residence
- Year built
- 1995
- Bathrooms
- 2 full
- Living area
- 1,812 sqft
- Lot size
- 0.02 acres
- Private pool
- Yes
- Exposure
- South
- Furnished
- Negotiable
- Flood zone
- X
- CDD
- No
- 55+ community
- No
- Annual taxes
- $5,293/yr
- Listed
- Apr 29, 2026
- MLS #
- A4692369
Price & status history
- Listed for $400,000
- Price reduced to $395,000
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 23530 CLAY 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
$2,768
$1,997 of that is principal & interest. 28% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,997
- Property taxes
- $441
- Homeowners insurance
- $329
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,768
Over the life of the loan
- Loan amount
- $316,000
- Down payment
- $79,000
- Total interest
- $403,041
- Principal + interest paid
- $719,041
- 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.
23530 Clay Ave, Port Charlotte, FL 33954
Listing courtesy of HUNT BROTHERS REALTY, INC. · MLS# A4692369 · 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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