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Lasbury Tracy Realty Inc
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$289,900

Active

641 Chamber St NW, Port Charlotte, FL 33948

4 beds Β· 2 baths Β· 1,592 sq ft

Listing courtesy of COMPASS FLORIDA Β· MLS# C7530606

43 days on market

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

About this home

STOP SCROLLING.THIS IS THE ONE! BUILT IN 2024. 4 BEDROOMS NO HOA β€’ NO CDD β€’ PUBLIC WATER & SEWER! If you’ve been searching for a newer Port Charlotte home with the space, finishes, and freedom buyers want, 641 Chamber Street NW deserves to be at the top of your list. This move-in-ready home offers 4 bedrooms, 2 bathrooms, 1,592 sq. ft. of living space and a 2-car garage, all on a generous 0.23-acre lot. Step inside to a bright, open-concept floor plan made for everyday living and entertaining. The kitchen is the heart of the home, featuring granite countertops, a large center island, solid wood cabinetry and stainless-steel appliances, with an easy flow into the dining and living areas. Luxury vinyl flooring, neutral finishes and abundant natural light give the home a clean, modern feel that is ready for your personal style. The split-bedroom layout provides privacy where it matters. The spacious primary suite features a walk-in closet, dual sinks, granite countertops and a walk-in shower, while three additional bedrooms give you the flexibility for family, guests, a home office, playroom or hobby space. An interior laundry room and attached 2-car garage add even more convenience. Outside, enjoy a spacious backyard with a trees-and-woods view, front and rear porch areas, and plenty of room to create the outdoor space you’ve been dreaming about. And here is the value buyers will appreciate every month: NO HOA, NO CDD, PUBLIC WATER AND PUBLIC SEWER. Why wait to build when a 2024 home is ready for you now? Homes offering this combination are hard to replace. Schedule your private showing today and make 641 Chamber Street NW yours before someone else does.

Facts

Property type
Single Family Residence
Year built
2024
Bathrooms
2 full
Living area
1,592 sqft
Lot size
0.23 acres
Private pool
No
Exposure
Northwest
Furnished
Unfurnished
Flood zone
AE
CDD
No
55+ community
No
Annual taxes
$4,837/yr
Listed
Sep 5, 2026
MLS #
C7530606

Estimate the monthly payment

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

Starting figures for 641 CHAMBER ST NW. 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; 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 β€” your down payment is 20% or more.

Estimated total monthly payment

$2,111

$1,466 of that is principal & interest. 31% is taxes, insurance and fees β€” which is why those inputs matter more here than the rate does.

Principal & interest
$1,466
Property taxes
$403
Homeowners insurance
$242
Flood insurance
$0
HOA / condo fees
$0
Mortgage insurance (PMI)
$0
Total per month
$2,111

Over the life of the loan

Loan amount
$231,920
Down payment
$57,980
Total interest
$295,801
Principal + interest paid
$527,721
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€” 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 β€” a licensed Lasbury Tracy agent confirms personally, usually within minutes. No account needed.

641 Chamber St NW, Port Charlotte, FL 33948

Listing courtesy of COMPASS FLORIDA Β· MLS# C7530606 Β· Active

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

In person Β· Thu, Oct 29 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.

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Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 28, 2026, 10:56 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]