$299,900
Active23088 Gray Ave, Port Charlotte, FL 33980
3 beds · 2 baths · 1,700 sq ft
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · MLS# N6145885
1 day on market
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Virtually Staged. Welcome to 23088 Gray Ave, a well maintained Port Charlotte home where pride of ownership shows throughout. Lovingly cared for over the years, this home offers buyers something increasingly valuable: major updates already completed with plenty of opportunity to make the space their own. Big ticket improvements include a 2023 roof, 2024 water heater, impact resistant windows and sliding glass doors installed in 2021, and an A/C changeout in 2019. Additional improvements include an updated garage door, hurricane protection, and a vinyl ceiling on the rear lanai. The property is located in FEMA Flood Zone X500, where flood insurance is generally not required by federally backed lenders, although coverage is still recommended. As you enter the home, you're greeted by a spacious and functional living room, where large impact windows allow natural light to fill the space. The front living room flows seamlessly into the centrally located dining area and kitchen, creating an easy, connected layout for everyday living and entertaining. The kitchen features a large island and opens directly into the generous family room, where oversized impact pocket sliders open to the screened lanai, extending the living space outdoors and creating the seamless indoor outdoor lifestyle Florida homes are known for. The home features a split bedroom floor plan, offering added privacy for the primary suite. The primary bedroom includes a walk in closet and private bathroom featuring a skylight for additional natural light, a stone tiled shower, and vanity with storage. On the opposite side of the home, two guest bedrooms share a guest bathroom with a tub and shower combination, providing a functional setup for family, visitors, or a home office. Step through the pocket sliders onto the spacious screened lanai, then continue outside to an extended paver patio and fully fenced backyard with plenty of room to make the space your own. The lanai is equipped with electrical service for a future hot tub, adding even more potential to the outdoor living space. Create a garden, entertaining area, play space, or simply enjoy the extra room for pets and little ones. Two backyard storage sheds are also equipped with electricity, providing functional space for tools, lawn equipment, hobbies, beach gear, and more. The location puts even more of the Southwest Florida lifestyle within easy reach, with convenient access to Sunseeker Resort, downtown Punta Gorda, Fishermen's Village, waterfront dining, parks, public boat ramps, and Charlotte Harbor. Punta Gorda Airport is also nearby, making travel convenient for full time residents and seasonal visitors alike. Whether you're searching for a full time residence, seasonal Florida escape, or a home you can personalize over time, 23088 Gray Ave combines thoughtful maintenance, valuable updates, generous indoor and outdoor living space, and convenient access to some of the area's favorite destinations.
Facts
- Property type
- Single Family Residence
- Year built
- 1990
- Living area
- 1,700 sqft
- Lot size
- 0.23 acres
- Private pool
- No
- Exposure
- South
- Furnished
- Negotiable
- Flood zone
- X500
- CDD
- No
- 55+ community
- No
- Annual taxes
- $6,600/yr
- Listed
- 2026-09-30
- MLS #
- N6145885
Virtual tour
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Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 23088 GRAY AVE. 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
$2,316
$1,516 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
- $1,516
- Property taxes
- $550
- Homeowners insurance
- $250
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $2,316
Over the life of the loan
- Loan amount
- $239,920
- Down payment
- $59,980
- Total interest
- $306,005
- Principal + interest paid
- $545,925
- 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.
23088 Gray Ave, Port Charlotte, FL 33980
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · MLS# N6145885 · 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.



