509 RIDGEWOOD STREET NW, PORT CHARLOTTE, FL, 33952
Active339 days on marketListed Sep 9, 2025MLS #A4663932
About this home
509 RIDGEWOOD STREET NW
Welcome to this beautifully maintained 3 bedroom, 3 bathroom home in the heart of Port Charlotte! Designed for both comfort and efficiency, this home is equipped with a durable metal roof and solar panels—giving you peace of mind and lower utility costs. Step inside to find a spacious floor plan with a well appointed kitchen, featuring new appliances, perfect for everyday living and entertaining. The oversized primary en-suite is a true retreat, featuring dual vanities, a relaxing soaker tub, and a separate shower. Every room features ample closet space making storage a breeze. Step outside to experience the new covered lanai overlooking the highlight of this home, the sparkling saltwater heated pool featuring a jetted bench—an ideal spot to unwind and enjoy Florida living year-round. A new large shed adds even more storage and functionality to the property. Conveniently located near shopping, dining, schools, and just a short drive to Gulf beaches, this home offers the perfect blend of relaxation and accessibility. Don’t miss the chance to own this Port Charlotte gem with modern upgrades and resort-style outdoor living!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,412
Sqft
0.23 ac
Lot size
1970
Year built
One
Levels
$137
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,790 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,790/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−42.1%
$/sqft vs PORT CHARLOTTE SEC 005
$137 vs $191
Days on market
339 vs 59 typical
Where $137/sqft sits among the 9 homes for sale in PORT CHARLOTTE SEC 005
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33952 — neighborhood snapshot
Population
33,991
Median age
53.7
Median income
$56,117
Median home value
$224,900
Avg household
2.3
Households w/ children
2,952
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
5 of 9
PORT CHARLOTTE SEC 005 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 128% above the PORT CHARLOTTE 33952 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 509 RIDGEWOOD STREET NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$239,000
170 CHELSEA COURT NW · same community
3 bd · 2 ba · 1,766 sqft · $135/sqft · 203 DOM
Sold · Jun ’26$250,000
3276 PINETREE STREET · same community
3 bd · 2 ba · 1,750 sqft · $143/sqft · 110 DOM
Sold · Sep ’25$235,000
186 FORREST AVENUE NW · same community
3 bd · 2 ba · 1,746 sqft · $135/sqft · 15 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 509 RIDGEWOOD STREET NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 509 RIDGEWOOD STREET NW — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
509 RIDGEWOOD STREET NW FAQs
What would the monthly payment be for 509 RIDGEWOOD STREET NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,790/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 509 RIDGEWOOD STREET NW?+
The most recent tax bill on record (2024) was $6,498. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Charlotte?+
At $330,000, this home is priced right at the Port Charlotte median.
Which schools are assigned to 509 RIDGEWOOD STREET NW?+
Neil Armstrong Elementary School (elementary), Port Charlotte Middle School (middle), Port Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$330,000 runs 128% above the PORT CHARLOTTE 33952 median — but at 2,412 sqft it's also 47% larger than the typical Port Charlotte listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
339 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $390,000, now $330,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BETTER HOMES AND GARDENS REAL ESTATE ATCHLEY PROPE · Samantha Campbell. MLS #A4663932.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 509 RIDGEWOOD STREET NW but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →