$350,000
Active631 Palmetto Dr NE, Port Charlotte, FL 33952
3 beds · 2 baths · 1,116 sq ft
Listing courtesy of PREMIERE PLUS REALTY COMPANY · MLS# A4712128
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
THIS IS WHAT LIVING IN PARADISE IS ALL ABOUT! ~ POOL? CHECK! | GULF ACCESS? ABSOLUTELY! | PRIVATE DOCK? YOU BET!: Picture this: Morning coffee by the pool, fishing right in your backyard, and when the water calls, your boat is ready to go! With a composite dock and boat lift davits, you've got the setup to enjoy everything Southwest Florida waterfront living has to offer! This well-maintained, 3-bedroom, 2-bath Key West-inspired waterfront home checks all the boxes! Inside, you'll find tile flooring throughout, a desirable split-bedroom floor plan, and a functional kitchen featuring oak cabinetry, Corian countertops, a breakfast bar, and stainless steel appliances. Need room for your projects, hobbies, or extra toys? There's a large workshop with electric AND additional storage! Outside is where the Florida lifestyle really takes over! Enjoy your private pool, a fenced backyard, and a saltwater canal offering fantastic fishing right from your own backyard. And when you're ready to trade the backyard for the open water, your private composite dock and boat lift davits are waiting! Whether you're heading out for a day on the water, casting a line from your own dock, entertaining poolside, or simply soaking up the Florida sunshine, this home makes it easy to embrace the lifestyle you've been dreaming about. AND THE LOCATION? Right in the heart of Port Charlotte, just minutes from shopping, dining, and entertainment! THE BOAT. THE FISHING. THE DOCK. THE POOL. THE FLORIDA SUNSHINE. Seriously... WHAT'S NOT TO LOVE? This isn't just a home. It's your own little piece of waterfront paradise!
Facts
- Property type
- Single Family Residence
- Year built
- 1958
- Bathrooms
- 2 full
- Living area
- 1,116 sqft
- Lot size
- 0.24 acres
- Waterfront
- Yes · 80 ft
- Water access
- Canal - Saltwater, Gulf/Ocean, River
- Water view
- Yes
- Private pool
- Yes
- Exposure
- West
- Furnished
- Unfurnished
- Flood zone
- 9AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $5,253/yr
- Listed
- Nov 3, 2026
- MLS #
- A4712128
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 631 PALMETTO DR NE. 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
$2,499
$1,770 of that is principal & interest. 29% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $1,770
- Property taxes
- $438
- Homeowners insurance
- $292
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,499
Over the life of the loan
- Loan amount
- $280,000
- Down payment
- $70,000
- Total interest
- $357,125
- Principal + interest paid
- $637,125
- 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.
631 Palmetto Dr NE, Port Charlotte, FL 33952
Listing courtesy of PREMIERE PLUS REALTY COMPANY · MLS# A4712128 · 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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