$21,000
Active581 Spruce St NW, Port Charlotte, FL 33952
0.23 acre lot
Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · MLS# C7531966
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
581 Spruce St NW—a fantastic opportunity to secure a prime building lot in the heart of an established Port Charlotte neighborhood. Spanning 10,000 square feet (approx. 80' x 125' or .23 acres), this property provides the ideal space and footprint to design and construct your custom Florida home. Surrounded by single-family residences, this lot offers electricity and public utilities nearby, making it a seamless build site for personal living or investment. Situated just off Tamiami Trail (US-41), this location balances peaceful residential living with central convenience to everything Charlotte County has to provide. You are located only minutes from major healthcare facilities including ShorePoint Health Port Charlotte, as well as local shopping centers, grocery stores, dining, and scenic parks like Charlotte Sports Park and Port Charlotte Beach Park. For outdoor enthusiasts, the open waters of Charlotte Harbor, local boat ramps, and world-class Gulf Coast beaches like Boca Grande and Manasota Key are all within short driving distance. With NO HOA fees or deed restrictions, you have total freedom to bring your preferred custom builder and design your vision without delay.
Facts
- Property type
- Land
- Lot size
- 0.23 acres
- Exposure
- West
- Flood zone
- AE
- Annual taxes
- $776/yr
- Listed
- Oct 20, 2026
- MLS #
- C7531966
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 581 SPRUCE 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 — 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
$371
$106 of that is principal & interest. 71% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $106
- Property taxes
- $65
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $0
- Mortgage insurance (PMI)
- $0
- Total per month
- $371
Over the life of the loan
- Loan amount
- $16,800
- Down payment
- $4,200
- Total interest
- $21,427
- Principal + interest paid
- $38,227
- 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.
581 Spruce St NW, Port Charlotte, FL 33952
Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · MLS# C7531966 · 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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