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Lasbury Tracy Realty Inc
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$299,900

Active

23088 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

Tours are hosted by the seller’s chosen provider, not by Lasbury-Tracy Realty. Opening one loads content from that company and shares your IP address with them.

Estimate the monthly payment

Estimate by Lasbury Tracy Realty — not a loan offer

Starting 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

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

In person · Sat, Oct 3 · Morning (9-12)

No account, no obligation. Prefer to talk? (941) 474-5585

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.

Similar homes

Listing information is provided in part by Stellar MLS, as distributed by MLS GRID. Based on information submitted to the MLS as of Oct 2, 2026, 8:53 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. · [email protected]