$13,900
Active4387 Schneider St, Port Charlotte, FL 33981
0.23 acre lot
Listing courtesy of SAVVY AVENUE, LLC · MLS# A4696160
142 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- Sandy Beach Myakka Park
- Flat and buildable terrain
- Owner financing available
- Walking distance to parks
- Outside CBRA flood zone
- Paved road access
- No prepayment penalties
AI-selected highlights from the listing description below.
While others spend summer planning another expensive winter rental, smart buyers are securing something permanent. This 0.23 acre homesite in Gulf Cove West offers a chance to establish your future winter home base before seasonal demand returns. Down payment: $2,500; $325/mo for 60 months Known for its relaxed pace, strong seasonal community, and long standing snowbird appeal, Gulf Cove West attracts residents who value sunshine, simplicity, and ownership over crowded resorts and rising rental costs. Interestingly, the neighborhood also has one of the higher concentrations of residents with Canadian ancestry in the country, a reflection of how many seasonal residents return year after year. Summer Is the Smart Time to Buy Buying during the summer season gives you time to plan, build, and prepare long before winter crowds arrive. Whether your goal is a future retirement home, a seasonal getaway, or simply owning affordable Florida land, this property offers flexibility without pressure. Sandy Beach Myakka Park is within walking distance, while Port Charlotte Beach Park, Ollie’s Pond Park, and Bayshore Live Oak Park provide easy access to waterfront relaxation and outdoor recreation. Charlotte Sports Park, shopping, restaurants, and AdventHealth Port Charlotte are all nearby, giving seasonal residents the comfort of convenience without sacrificing peace and quiet. Property Details Zoning: RSF 3.5 residential Terrain: Flat and buildable Flood Info: Outside CBRA, Flood Zone AE, eligible for NFIP insurance Access: Paved road with nearby utilities No Scrub Jay permit required Owner Financing Built for Real Life Down payment: $2,500 (Plus $250 Non Refundable Doc Fee) Monthly payment: $325 for 60 months No prepayment penalties, No Bank, No Hassle Secure your Florida foothold now while keeping your cash available for travel, family, or future building plans. A Place to Return to Every Season Picture future winters spent under palm trees instead of scraping ice off windshields. Morning walks, familiar neighbors, warm evenings, and a place that feels like yours year after year. Gulf Cove West offers more than land, it offers a future routine built around freedom and flexibility.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Flood zone
- AE
- Annual taxes
- $456/yr
- Listed
- Jun 8, 2026
- MLS #
- A4696160
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4387 SCHNEIDER 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
$308
$70 of that is principal & interest. 77% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $70
- Property taxes
- $38
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $308
Over the life of the loan
- Loan amount
- $11,120
- Down payment
- $2,780
- Total interest
- $14,183
- Principal + interest paid
- $25,303
- 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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4387 Schneider St, Port Charlotte, FL 33981
Listing courtesy of SAVVY AVENUE, LLC · MLS# A4696160 · 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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