$139,000
Active19345 Water Oak Dr #106, Port Charlotte, FL 33948
2 beds · 2 baths · 947 sq ft
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · MLS# C7532198
Listed today
Refreshed from the Stellar MLS feed . This listing’s MLS record last changed .
About this home
Priced to sell fast! Move right into this first-floor lakefront condo in the popular gated community of Heritage Oak Park. Enjoy a fantastic lake view from the screened lanai. This condo features 2 bedrooms, 2 full baths, interior laundry with a newer 2024 stack washer and dryer, and an open floor plan with a great room and dining area. The split bedrooms, kitchen with breakfast bar, closet pantry, and breakfast nook (including 4 bar stools) make it perfect for comfortable living. The master suite offers a large walk-in closet and a great lake view, while the ensuite master bath has dual sinks and a walk-in shower. Additional highlights include porcelain tile floors in the foyer, kitchen, and baths, brand-new neutral carpet in the great room and bedrooms, freshly painted interior, ceiling fans with lights in the great room and bedrooms, and window treatments throughout. A detached carport (new in 2023) is included, along with a new roof (2021), A/C and A/C heat (2021). Heritage Oak Park is an active gated community in the Murdock area of Port Charlotte, offering a large clubhouse, heated pool, fitness room, billiards, library, tennis courts, pickleball, shuffleboard, bocce ball, and a scenic walking trail around the lake. With a full-time activities director and beautiful old oak trees, it feels like country living yet is within walking distance of Publix, the YMCA, and the Charlotte County Library, and just a short drive to major shopping and restaurants.
Facts
- Property type
- Condominium
- Year built
- 2003
- Living area
- 947 sqft
- Water view
- Yes
- Private pool
- No
- Exposure
- Northwest
- Furnished
- Unfurnished
- Flood zone
- X
- CDD
- Yes
- 55+ community
- No
- Annual taxes
- $3,493/yr
- Monthly fees
- $455/mo
- Listed
- Oct 21, 2026
- MLS #
- C7532198
Estimate the monthly payment
Estimate by Lasbury Tracy Realty — not a loan offerStarting figures for 19345 WATER OAK DR #106. 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.
From this listingMonthly association fee as reported to the MLS. Confirm what it includes, and ask about special assessments.
AssumptionNot applied — your down payment is 20% or more.
Estimated total monthly payment
$1,649
$703 of that is principal & interest. 57% is taxes, insurance and fees — which is why those inputs matter more here than the rate does.
- Principal & interest
- $703
- Property taxes
- $291
- Homeowners insurance
- $200
- Flood insurance
- $0
- HOA / condo fees
- $455
- Mortgage insurance (PMI)
- $0
- Total per month
- $1,649
Over the life of the loan
- Loan amount
- $111,200
- Down payment
- $27,800
- Total interest
- $141,829
- Principal + interest paid
- $253,029
- 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.
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19345 Water Oak Dr #106, Port Charlotte, FL 33948
Listing courtesy of COLDWELL BANKER SUNSTAR REALTY · MLS# C7532198 · 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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