$19,900
Active629 Gaines St, Port Charlotte, FL 33952
0.23 acre lot
Listing courtesy of BEYCOME OF FLORIDA LLC · MLS# O6365649
326 days on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
What’s special
- vacant residential lot
- cleared lot
- RSF-3.5 zoning
- tax deed conveyance
- low community fees
AI-selected highlights from the listing description below.
One or more photo(s) has been virtually staged. Residential vacant lot located in Port Charlotte. Lot measures approximately 125 x 80 feet (0.23 acres) and is zoned RSF-3.5, allowing single-family residential construction. Based on public records and aerial images, the lot appears cleared and is surrounded by existing homes on neighboring lots. Voluntary community association fee of approximately $6/month. Property conveys by tax deed. Buyer to verify all information, zoning, and intended use with Charlotte County. No survey available.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Flood zone
- AE
- Annual taxes
- $863/yr
- Listed
- Dec 6, 2025
- MLS #
- O6365649
Price & status history
- Listed for $20,000
- Price reduced to $19,900
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 629 GAINES 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
$373
$101 of that is principal & interest. 73% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $101
- Property taxes
- $72
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $373
Over the life of the loan
- Loan amount
- $15,920
- Down payment
- $3,980
- Total interest
- $20,305
- Principal + interest paid
- $36,225
- 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.
629 Gaines St, Port Charlotte, FL 33952
Listing courtesy of BEYCOME OF FLORIDA LLC · MLS# O6365649 · 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.
More homes in Port Charlotte
Want an email when lots like this list?
New Port Charlotte lots up to $25,000. Free, and you can stop any time.
