18423 Temple Ave · Port Charlotte, FL 33948

$269,000

3 bd · 2.0 ba · 1,296 sqft · Land public records · 673 Days on market

Built 2024 10,000 sqft lot

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +10.3/30.0
• ARV discount +7.5/15.0
• Schools +4.6/10.0
• Livability +3.2/5.0
• 1% rule +3.0/10.0
• DSCR +3.0/10.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

Key facts

• Open concept kitchen
• Split plan design
• 0.23 acre lot

Tags

• OPEN CONCEPT KITCHEN
• SPLIT PLAN DESIGN

Property features AI

Finance

• Other: Home warranty included; Lot size about 0.23 acres (0 to less than 1/4 acre); Paved road access; Zoning: RSF3.5; Permit number: 20240100851
• HOA & community: Pets allowed

Exterior

• Parking: Attached 2-car garage (19 x 21)
• Utilities: Public water; Septic tank; Cable available
• Home design: Single family residence; Residential property; Under construction (projected completion 2024-08-31); One story; Faces north; Entry level: 1
• Construction: Block and concrete construction; Shingle roof; Slab foundation; New construction; Builder: Holiday Builders (model: Sago); Builder license: CGC057780; Projected completion date: 2024-08-31; Year built: (new construction)
• Exterior features: Hurricane shutters; Sliding doors; No patio or porch

Interior

• Kitchen: Dishwasher; Range; Garbage disposal; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Split bedroom layout; Great Room
• Laundry & utility: Inside laundry

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath land listed at $269k.

Deal economics

• At list price, monthly cash flow is $-574 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $168k (37.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $215k (20.1% below list).
• Recommended offer: $168k (37.7% below list) — sets the bar for cash-flow.
• Cap rate 5.6% vs local median 4.2% in Port Charlotte — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 65/100 on livability (#655 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D, amenities F, commute F.
• Charlotte (suburban): math 54% / reading 54% proficiency, ranked #22 of 73 in FL (top 30%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Meadow Park Elementary School (math 61% / reading 56%, grade B-, #735 of 2,144 statewide, top 35%, 701 students, 59% FRL); Murdock Middle School (math 50% / reading 45%, grade C-, #288 of 571 statewide, top 51%, 577 students, 56% FRL); Port Charlotte High School (math 23% / reading 38%, grade F, #434 of 667 statewide, top 66%, 1,649 students, 43% FRL) — zoned schools at 53% FRL track the district average.
• Market conditions: Rents soft (-1.6%/yr); 963 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 4,585 units permitted in Charlotte County in 2024 (703 in 5+ unit buildings).
• This rent runs 41% of the median local income ($63k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Charlotte County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 673 days — a 12% lower offer ($237k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago; this cycle's ask has dropped $47k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $8k; list at $269k implies a 3487% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $167,624 (37.7% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 673 days. Have you received any prior offers? Is the seller open to a 38% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.80% ✗
• Cap rate: 5.64%
• Cash-on-cash: -2.35%
• DSCR: 0.90
• GRM: 10.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -36.8%
• Equity multiple: -0.14×
• Total profit: $-86,155
• Equity at exit: $40,109

10-year hold

• IRR: -82.7%
• Equity multiple: -0.93×
• Total profit: $-145,279
• Equity at exit: $23,258

Cash invested: $75,320 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33948

• Home prices YoY: -14.9%
• Rents YoY: -1.6%
• Active inventory: 963
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $2,151 high
• Mortgage (P&I): −$1,411
• Tax from tax record: −$324 /mo · $3,883/yr
• Insurance: −$112
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$452
• Net cashflow: $-574

Break-even live

Break-even rent $2,877

Max offer price $167,624

Occupancy floor —

Sensitivity live

Price	-10% $-422	-5% $-498	+0% $-574	+5% $-650	+10% $-726
Rent	-10% $-744	-5% $-659	+0% $-574	+5% $-489	+10% $-404
Rate	-1.0pp $-438	-0.5pp $-505	base $-574	+0.5pp $-644	+1.0pp $-714

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $67,250
• Closing costs: $8,070
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
18407 Avon Ave Port Charlotte, FL	2.0	2.0	1508	$1,775	$1.18	23d	1	0.07mi
18423 Elgin Ave Port Charlotte, FL	4.0	2.0	1636	$2,200	$1.34	23d	1	0.23mi
2457 Haven St Port Charlotte, FL	3.0	2.0	1150	$1,775	$1.54	23d	1	0.38mi
1225 Armsdale Ave Port Charlotte, FL	3.0	2.0	1140	$1,525	$1.34	23d	1	0.39mi
2586 Auburn Blvd Port Charlotte, FL	2.0	2.0	1028	$1,850	$1.80	15d	1	0.43mi
1174 Victoria Ave Port Charlotte, FL	2.0	2.0	1092	$1,650	$1.51	23d	1	0.48mi
18353 Grace Ave Port Charlotte, FL	3.0	2.0	1658	$2,100	$1.27	23d	1	0.70mi
2223 Tinker St Port Charlotte, FL	3.0	2.0	1337	$2,400	$1.80	23d	1	0.70mi
1148 Salina Ave Port Charlotte, FL	3.0	2.0	1449	$3,000	$2.07	23d	1	0.71mi
2144 Pellam Blvd Port Charlotte, FL	4.0	2.5	1751	$2,106	$1.20	15d	1	0.87mi
979 Roseway Ter NW Unit 979 Port Charlotte, FL	2.0	2.0	1140	$1,750	$1.54	23d	1	0.89mi
979 Roseway Ter NW Port Charlotte, FL	3.0	1.5	1140	$1,525	$1.34	23d	1	0.89mi
3153 Jody St Port Charlotte, FL	4.0	2.0	1650	$1,945	$1.18	23d	1	0.90mi
1011 Tropical Ave NW Port Charlotte, FL	3.0	2.0	1558	$1,950	$1.25	23d	1	0.93mi
18522 Robinson Ave Port Charlotte, FL	3.0	2.0	1252	$2,000	$1.60	23d	1	0.97mi
525 Altoona St NW Port Charlotte, FL	2.0	2.0	1002	$1,750	$1.75	23d	1	0.98mi
1000 Chevy Chase St Port Charlotte, FL	3.0	2.0	1589	$3,500	$2.20	23d	1	1.00mi
1261 Joplin Ave NW Port Charlotte, FL	2.0	2.0	1200	$1,950	$1.62	23d	1	1.00mi
17424 Poston Ave Port Charlotte, FL	4.0	2.0	1833	$1,925	$1.05	15d	1	1.07mi
651 Chamber St NW Port Charlotte, FL	3.0	2.0	1196	$1,900	$1.59	23d	1	1.07mi
945 Chevy Chase St Port Charlotte, FL	3.0	2.0	1582	$2,875	$1.82	23d	1	1.08mi
262 Grenada St Port Charlotte, FL	3.0	2.0	1650	$1,845	$1.12	23d	1	1.10mi
4112 Gingold St Port Charlotte, FL	2.0	1.5	1056	$3,300	$3.12	23d	1	1.12mi
4123 Michel Tree St Port Charlotte, FL	3.0	2.0	920	$1,750	$1.90	23d	1	1.16mi
4192 Gingold St Port Charlotte, FL	3.0	2.0	1127	$4,200	$3.73	23d	1	1.20mi
1275 Price Cir NW Port Charlotte, FL	3.0	2.0	1810	$1,700	$0.94	23d	1	1.23mi
342 Millport St NW Port Charlotte, FL	3.0	2.0	1331	$2,250	$1.69	23d	1	1.24mi
334 Millport St NW Port Charlotte, FL	3.0	2.0	1459	$2,400	$1.64	23d	1	1.24mi
326 Millport St NW Port Charlotte, FL	3.0	2.0	1459	$2,400	$1.64	23d	1	1.25mi
18312 Driggers Ave Port Charlotte, FL	3.0	2.0	1428	$5,400	$3.78	23d	1	1.25mi
18608 Alphonse Cir Port Charlotte, FL	3.0	2.0	1441	$4,000	$2.78	23d	1	1.30mi
285 Millport St NW Port Charlotte, FL	3.0	2.0	1651	$2,200	$1.33	23d	1	1.31mi
18625 Alphonse Cir Port Charlotte, FL	2.0	2.0	960	$4,000	$4.17	23d	1	1.32mi
17319 Terry Ave Port Charlotte, FL	3.0	2.0	1478	$2,095	$1.42	23d	1	1.38mi
4399 Mundella Cir Port Charlotte, FL	3.0	2.0	1140	$3,200	$2.81	23d	1	1.40mi
18493 Lake Worth Blvd Port Charlotte, FL	2.0	2.0	1006	$1,500	$1.49	23d	1	1.43mi
650 Hartford Dr NW Port Charlotte, FL	2.0	2.0	1200	$1,600	$1.33	23d	1	1.47mi

Listing history 32 events

1. 2026-06-22
   days on market $269,000 Active 673 DOM
2. 2026-06-18
   days on market $269,000 Active 670 DOM
3. 2026-06-17
   days on market $269,000 Active 669 DOM
4. 2026-06-16
   days on market $269,000 Active 668 DOM
5. 2026-06-15
   days on market $269,000 Active 667 DOM
6. 2026-06-14
   days on market $269,000 Active 665 DOM
7. 2026-06-13
   days on market $269,000 Active 664 DOM
8. 2026-06-10
   days on market $269,000 Active 662 DOM
9. 2026-06-09
   days on market $269,000 Active 661 DOM
10. 2026-06-08
    days on market $269,000 Active 660 DOM
11. 2026-06-05
    pricedays on market $269,000 Active 656 DOM
12. 2026-06-02
    days on market $279,000 Active 654 DOM
13. 2026-06-01
    days on market $279,000 Active 653 DOM
14. 2026-05-31
    days on market $279,000 Active 652 DOM
15. 2026-05-30
    days on market $279,000 Active 651 DOM
16. 2026-05-08
    price $279,000

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

17. 2026-05-08
    price $279,000 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

18. 2026-02-08
    status Active 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

19. 2026-02-07
    historical 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

20. 2025-07-25
    price $289,000

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

21. 2025-07-25
    price $289,000 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

22. 2025-01-20
    price $294,000
23. 2025-01-18
    price $294,000 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

24. 2024-09-12
    price $299,000
25. 2024-09-11
    price $299,000 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

26. 2024-08-17
    historical 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

27. 2024-08-17
    listed $316,000 Active

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

28. 2024-06-04
    price $316,000 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

29. 2024-02-28
    price $300,000 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

30. 2023-11-08
    listed $302,635 Active 1388-char remark

    Show marketing remark (1388 chars)

    Introducing the Sago, a floorplan from our highly sought-after Value collection, designed for the ease of single-story living. Experience the convenience of this family-friendly layout that caters to your every need. With 3 bedrooms, 2 full bathrooms, and a generously sized 2 car garage, the Sago offers a well-appointed space for comfortable living. The split plan design ensures privacy and tranquility, with a welcoming master bedroom set apart from the other two bedrooms. The open concept kitchen seamlessly integrates with the living and dining areas, creating a harmonious environment that encourages family gatherings and shared moments. The kitchen itself is a chef's delight, featuring 30″ upper cabinets for ample storage, as well as a stainless-steel insulated dishwasher for easy clean-up. Completing the ensemble, each home includes a stainless steel electric smooth top range and a stainless-steel microwave complete with a ductless vent hood, light, and fan. Crafted with our unwavering commitment to quality craftsmanship, the Sago new home floorplan incorporates a range of energy-smart features. From the digital thermostat and heating, ventilation and A/C system to the roof vent and soffit for efficient attic ventilation, and dual-pane energy-efficient windows, every detail has been thoughtfully considered to enhance your comfort and promote sustainability.

31. 2021-02-16
    soldstatus $7,500
32. 1988-06-01
    soldstatus $4,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $3,883 · $324/mo
• Projected year-2 tax: $3,883 · $324/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 98% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,808
• − Mortgage interest: −$15,068
• − Property taxes: −$3,883
• − Insurance: −$6,464
• − Repairs & maintenance: −$2,065
• − Management: −$2,065
• − Depreciation: −$7,825
• Taxable loss: −$11,562
• Est. tax savings @ 24.0%: +$2,775
• After-tax cash flow: $-4,112/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Charlotte
• NCES district ID: 1200240
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 54% ▼ -1.00%
• Median HH income: $44,864
• Composite: 45.62/100
• National rank: #2586
• State rank: #22 of 73 in FL

Livability — Port Charlotte

• Score: 65/100
• State rank: #655
• US rank: #13081

Category grades

Amenities F Commute F Cost of living A+ Crime C+ Employment D Housing A+ Health & safety D- User ratings D+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Charlotte, FL
• County: Charlotte County · 196,994 people
• City population: 102,180
• Metro: Punta Gorda, FL
• Population (ZIP): 18,696
• Household income: $62,744
• Rent vs Own: 13.8% rent · 86.2% own
• Severe rent burden: 501.0

Population outlook (Charlotte County) Hauer SSP2

• Today (2025): 198,646 people
• By 2030: 210,507 · +6.0%
• By 2040: 230,857 · +16.2%
• By 2050: 247,148 · +24.4%
• By 2075: 281,777 · +41.8%
• By 2100: 293,609 · +47.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Two or more races 8% Black 7% Hispanic / Latino 7% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 1%
• Common ancestry: Lithuanian 5% Romanian 4% Iranian 2%
• Foreign-born: 11% · Canada
• Languages at home: 88% English-only · Spanish 5% Russian/Polish/Slavic 2% Other Indo-European 1%

Political lean MEDSL · Charlotte

• 2024 margin: Solid R (+34.0) · D 32.7% · R 66.7%
• 2008→2024 swing: -26.7pp toward R · 2008: -7.2pp · 2024: -34.0pp
• All cycles: 2024: R+34.0 2020: R+26.6 2016: R+27.8 2012: R+14.3 2008: R+7.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -55.31%
• Current HPI: 315.0548
• Rent YoY: ▼ -1.63%
• Metro: Punta Gorda, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+6875.0% since first listed

17 events — show timeline

• 2026-05-08 Price Changed $279,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-08 Price Changed $279,000 Zillow
• 2026-02-08 Relisted — Zillow
• 2026-02-07 Delisted — Zillow
• 2025-07-25 Price Changed $289,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-25 Price Changed $289,000 Zillow
• 2025-01-20 Price Changed $294,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-18 Price Changed $294,000 Zillow
• 2024-09-12 Price Changed $299,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-11 Price Changed $299,000 Zillow
• 2024-08-17 Delisted — Zillow
• 2024-08-17 Listed $316,000 Stellar MLS as Distributed by MLS Grid
• 2024-06-04 Price Changed $316,000 Zillow
• 2024-02-28 Price Changed $300,000 Zillow
• 2023-11-08 Listed $302,635 Zillow
• 2021-02-16 Sold (Public Records) $7,500 Public Records
• 1988-06-01 Sold (Public Records) $4,000 Public Records

Property tax history

+21.2%/yr

Latest (2025): $3,883 · +598.8% YoY. Source: county tax records.