$649,555
Active281 Pembroke Dr, Port Charlotte, FL 33954
4 beds · 2 baths · 2,040 sq ft
Listing courtesy of COLDWELL BANKER REALTY · MLS# N6145206
89 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Triple-lot property
- 240 feet canal frontage
- Custom pool with warranty
- Tiki hut
- 8-zone irrigation system
- No HOA fees
- Non-flood zone
AI-selected highlights from the listing description below.
Discover the perfect blend of modern sophistication and unmatched privacy at 281 Pembroke, Port Charlotte. This meticulously renovated residence offers a rare opportunity to own a truly turnkey waterfront home on a sprawling triple-lot property, providing the space, privacy, and freedom you've been searching for. Spanning 2,040 square feet, the interior has been completely transformed with a contemporary aesthetic. The thoughtfully designed floor plan features 4 spacious bedrooms, 2 stylishly updated bathrooms, and a versatile flex room—ideal for a home office, fitness room, or creative studio. Every room of the interior has been updated, delivering a move-in-ready home that feels like new construction. Step outside to your own private waterfront retreat. A stunning new pool, expertly crafted by JT's Custom Pools, serves as the centerpiece of the backyard, and for added peace of mind, the pool is still under warranty. A custom-built tiki hut creates the perfect setting for entertaining family and friends while enjoying the Florida lifestyle. Situated on three full usable lots with an impressive 240 feet of canal frontage, this exceptional property offers endless possibilities. Whether you're looking for room to park multiple boats, an RV, build your dream workshop, or simply enjoy an expansive backyard, this property accommodates it all with ease. The generous waterfront setting also provides plenty of space to embrace fishing, kayaking, or simply taking in the peaceful canal views. Designed for both comfort and efficiency, the home is equipped with a whole-home reverse osmosis (RO) water filtration system and an 8-zone irrigation system, ensuring exceptional water quality and easy maintenance of the beautifully maintained grounds. Additional improvements include a new roof installed in 2022. Enjoy the ultimate Florida lifestyle without the typical restrictions. This property features No HOA fees, No CDD fees, and is located in a non-flood zone, offering valuable savings and peace of mind. This is more than just a home—it's a rare opportunity to own a beautifully renovated waterfront property with unmatched space, modern upgrades, and the freedom to truly live the Florida lifestyle. Schedule your private showing today and experience everything this exceptional Port Charlotte property has to offer.
Facts
- Property type
- Single Family Residence
- Year built
- 2005
- Bathrooms
- 2 full
- Living area
- 2,040 sqft
- Lot size
- 0.69 acres
- Waterfront
- Yes · 240 ft
- Water access
- Canal - Brackish
- Water view
- Yes
- Private pool
- Yes
- Exposure
- West
- Furnished
- Unfurnished
- Flood zone
- X500
- CDD
- No
- 55+ community
- No
- Annual taxes
- $6,961/yr
- Listed
- Jul 30, 2026
- MLS #
- N6145206
Price & status history
- Listed for $693,847
- Price reduced to $673,328
- Price reduced to $649,555
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 281 PEMBROKE DR. 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
$4,406
$3,285 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
- $3,285
- Property taxes
- $580
- Homeowners insurance
- $541
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $4,406
Over the life of the loan
- Loan amount
- $519,644
- Down payment
- $129,911
- Total interest
- $662,777
- Principal + interest paid
- $1,182,421
- 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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281 Pembroke Dr, Port Charlotte, FL 33954
Listing courtesy of COLDWELL BANKER REALTY · MLS# N6145206 · 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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