$115,000
Active4298 Library St, Port Charlotte, FL 33948
0.25 acre lot
Listing courtesy of KW PEACE RIVER PARTNERS · MLS# C7518215
337 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- oversized waterfront lot
- direct water access
- no HOA fees
- peaceful water views
- heated swimming pool
- fishing pier
- boat ramp access
AI-selected highlights from the listing description below.
Build your DREAM HOME with this OVERSIZED WATER FRONT lot located in Port Charlotte. NO HOA FEES! Offering peaceful views, ample space, and direct access to the water, this property provides the ideal setting for a custom residence. Need a builder? Let us introduce you to local reputable builders. Conveniently located minutes to the Edgewater Public Boat Ramp, William R. Gaines Recreation Park. Also just a short drive to 776, US-41, and Port Charlotte Beach Park. Port Charlotte Beach Park offers sand, sheltered waters, and spectacular sunsets year-round. Amenities include a boardwalk with a fishing pier, boat ramp, canoe/kayak launch, horseshoe pits, bocce courts, basketball courts, tennis courts, volleyball court, playground area, small shelters with picnic tables, two large pavilions, restrooms, heated swimming pool, and a recreation center. Also just a short car ride to the Gulf Beaches of Boca Grande, Englewood, or Manasota Key to name a few where you will find world-class fishing and white sand between your toes.
Facts
- Property type
- Land
- Lot size
- 0.25 acres
- Waterfront
- Yes · 93 ft
- Water access
- Bay/Harbor, Canal - Brackish, Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway, River
- Water view
- Yes
- Exposure
- Northwest
- Flood zone
- AE
- Annual taxes
- $1,435/yr
- Listed
- Nov 25, 2025
- MLS #
- C7518215
Price & status history
- Listed for $125,000
- Price reduced to $115,000
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4298 LIBRARY 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 — 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
$901
$582 of that is principal & interest. 35% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $582
- Property taxes
- $120
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $901
Over the life of the loan
- Loan amount
- $92,000
- Down payment
- $23,000
- Total interest
- $117,341
- Principal + interest paid
- $209,341
- 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.
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4298 Library St, Port Charlotte, FL 33948
Listing courtesy of KW PEACE RIVER PARTNERS · MLS# C7518215 · 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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