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Lasbury Tracy Realty Inc
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$524,900

Active

371 Ryals St, Port Charlotte, FL 33954

5 beds Β· 3.5 baths Β· 3,108 sq ft

Open houses

  • Sat, Nov 21 Β· 12–3 PM
  • Sun, Nov 22 Β· 1–3 PM

Listing courtesy of EXIT KING REALTY Β· MLS# N6146659

Listed today

Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .

About this home

QUALIFIED VETERAN BUYERS: An assumable VA loan at an exceptionally low interest rate may be available, subject to VA and lender approval, buyer eligibility, existing loan balance, equity requirements, and all other assumption terms. Ask for details. Welcome to this spacious 5-bedroom, 3.5-bath pool home in desirable Port Charlotte Section 15, offering city water and sewer, exceptional storage, flexible living space, and an extensive list of updates. Every bedroom features a walk-in closet, including a generous primary suite with 2 walk-in closets and an en-suite bath featuring dual sinks, a large tiled shower, and a garden soaking tub and Quartz counters. Bedrooms 2 and 3 share a convenient Jack-and-Jill bath with dual sinks and a tub/shower combination with Quartz counters, while the 5th bedroom offers its own full en-suite bath with direct pool access, making it ideal for guests, extended family, or a private home office. An additional half bath is conveniently located just off the family room. The updated kitchen features a center island, granite countertops, wood cabinetry, walk-in pantry, reverse-osmosis system at the kitchen sink, and a newer garbage disposal. The living room includes a bay window with built-in window seat and wet bar, while the large interior laundry room offers an additional storage closet or second pantry. Designed for Florida living and entertaining, the home features an in-ground pool, newer pool pump, expansive covered lanai, and additional concrete deck that's perfect for a firepit or outdoor gathering area. The oversized detached garage, circular driveway, separate garage driveway, and storage shed provide plenty of room for vehicles, recreational equipment, tools, and toys. Additional improvements include a 2021 roof, new water heater in 2025, and two HVAC systems, with one receiving updated internal components in 2025 and the second replaced with a new unit in 2026. The home also features a whole-house Generac generator with a buried 500-gallon propane tank, front hurricane-impact windows, premium hurricane shutters protecting 18 openings, updated Manabloc plumbing, newer water-softener system, 9 newer ceiling fans, Quartz bathroom vanities, ceramic-tile flooring, and an electrical panel updated in 2018. POTENTIAL FLORIDA HOMESTEAD TAX OPPORTUNITY: Buyers intending to establish Florida permanent residency should investigate whether recently approved Florida Amendment 3 and its December 31, 2026 residency provisions may provide enhanced homestead benefits beginning in 2027. Eligibility and savings must be independently verified. A rare combination of space, extensive improvements, Florida outdoor living, potential homestead-tax advantages, and an exceptionally low-rate assumable VA loan opportunity.

Facts

Property type
Single Family Residence
Year built
1997
Bathrooms
3 full, 1 half
Living area
3,108 sqft
Lot size
0.35 acres
Private pool
Yes
Exposure
East
Furnished
Unfurnished
Flood zone
X
CDD
No
55+ community
No
Annual taxes
$6,786/yr
Listed
Nov 15, 2026
MLS #
N6146659

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Estimate the monthly payment

Estimate by Lasbury Tracy Realty β€” not a loan offer

Starting figures for 371 RYALS ST. 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 β€” 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 β€” we will not inflate a payment with a guess. Many homes here need it; the flood zone and the current policy's premium decide the number.

Include condo, HOA, and master-association dues. CDD assessments usually arrive on the tax bill instead.

AssumptionNot applied β€” your down payment is 20% or more.

Estimated total monthly payment

$3,657

$2,654 of that is principal & interest. 27% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$2,654
Property taxes
$566
Homeowners insurance
$437
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$3,657

Over the life of the loan

Loan amount
$419,920
Down payment
$104,980
Total interest
$535,585
Principal + interest paid
$955,505
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 β€” the calculator sends none of them anywhere, and no lender is quoting you. Only the separate flood & insurance request sends anything: what you type into it, to a Lasbury Tracy agent. 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.

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Take a tour

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371 Ryals St, Port Charlotte, FL 33954

Listing courtesy of EXIT KING REALTY Β· MLS# N6146659 Β· Active

How would you like to see it?
Which day?
What time of day?

In person Β· Mon, Nov 16 Β· Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

Where this home is

Opens on aerial β€” on this coast the canal, the lot and the neighbours answer more questions than a street grid does.

Similar homes

Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Nov 15, 2026, 4:33 PM (ET). All data is obtained from various sources and may not have been verified by broker or MLS. All information provided is deemed reliable but is not guaranteed and should be independently verified. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some IDX listings have been excluded from this website.

Lasbury Tracy Realty Inc. Β· [email protected]