$499,900
Active4469 Joseph St, Port Charlotte, FL 33948
3 beds · 3 baths · 1,619 sq ft
Listing courtesy of CHOICE ONE REALTY OF FLORIDA L · MLS# W7889870
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Welcome to your private waterfront paradise! This gorgeous, completely move-in-ready pool home perfectly combines luxury, functionality, and spectacular canal views. Bring your boat, because this property comes complete with a private boat lift for ultimate waterway fun! Featuring a highly desirable split floor plan, this home offers maximum privacy for all bedrooms. At the heart of the home, the open-concept living space flows into a dream kitchen boasting all-granite countertops, newer stainless steel appliances, and custom bottom cabinets with double pull-out shelves. Flooded with natural light from beautiful kitchen skylights, the dining area treats you to panoramic views of the waterway and breathtaking nightly sunsets. Step outside through the open floor plan to your screened lanai and patio. It is an entertainer’s dream, featuring a sparkling pool equipped with a programmable heater and pump. For ultimate peace of mind and lower insurance costs New impact windows (2025), a newer roof (2022), new A/C (2021), new 220-amp electrical panel, updated ceiling fans, and recessed lighting throughout. Need extra storage or a workshop? You'll love the newer insulated shed complete with built-in lighting. Don't miss this opportunity to live the ultimate waterfront lifestyle
Facts
- Property type
- Single Family Residence
- Year built
- 1986
- Living area
- 1,619 sqft
- Lot size
- 0.23 acres
- Waterfront
- Yes · 40 ft
- Water access
- Bay/Harbor, Gulf/Ocean
- Water view
- Yes
- Private pool
- Yes
- Exposure
- Southeast
- Furnished
- Unfurnished
- Flood zone
- AE
- CDD
- No
- 55+ community
- No
- Annual taxes
- $6,162/yr
- Listed
- 2026-09-30
- MLS #
- W7889870
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 4469 JOSEPH 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
$3,458
$2,528 of that is principal & interest. 27% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $2,528
- Property taxes
- $514
- Homeowners insurance
- $417
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $3,458
Over the life of the loan
- Loan amount
- $399,920
- Down payment
- $99,980
- Total interest
- $510,076
- Principal + interest paid
- $909,996
- 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.
4469 Joseph St, Port Charlotte, FL 33948
Listing courtesy of CHOICE ONE REALTY OF FLORIDA L · MLS# W7889870 · 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.
