David Ramirez
$745,000$849,0003 bd3 ba2,647 sqft$281 /sqft$5,577 /mo all-in ↓

14500 PONCE DE LEON TRAIL, PORT CHARLOTTE, FL, 33981

Active107 days on marketListed Apr 20, 2026MLS #A4690688

Reduced $104KWaterfrontSingle Family ResidenceHARBOR WEST

About this home

14500 PONCE DE LEON TRAIL

One or more photo(s) has been virtually staged. PRICE REDUCED by over $100,000! Now offering $6000 in seller concessions for closing costs or to buy down the rate! Stunning 2021-built Canal-front home with 2.5 miles from Myakka & Peace River leading to Charlotte Harbor, 9ft deep sail boat water in a no wake zone, and NO bridges—a true boater’s dream. Offering 2,647 sqft under air, this beautifully designed residence features 3 bedrooms, 3 bathrooms, and a versatile den/office, or fourth bedroom, all located in a charming gated community of just 165 homes. From the moment you enter, you are greeted with breathtaking canal views from the spacious family room, highlighted by the brand new laminate flooring, high tray ceilings and hurricane impact resistant windows and sliding glass doors that open to the screened lanai for seamless indoor-outdoor living. The well-appointed kitchen is the heart of the home, featuring a large granite island, designer backsplash, double oven/microwave, stainless steel appliances, and abundant cabinetry. It flows effortlessly into both the formal dining and dinette areas while overlooking the main living space, making it ideal for entertaining or everyday living. The popular split-bedroom floor plan provides privacy, while the den/office with double doors offers flexibility for a home office, hobby room, or potential fourth bedroom. Built for peace of mind, the home includes hurricane impact windows, front door, and sliders, and is situated on a well-elevated, oversized lot with a berm behind the property. The home's floor elevation is 9.7ft, while the property's flood zone code is AE, meaning your home is safe because the base flood elevation for a 100-year flood event would likely only rise to about 8 feet, and the community has remained dry through recent major storms. Additional highlights include a paver driveway and a rare 3-car Air Conditioned Garage with attic stairs and a complete floor in the attic for storage. Low HOA fees cover gate access, lawn care, and landscaping. Outdoor living is what Florida is all about, and this home delivers with a screened and pavered lanai overlooking the deep canal. With no bridges, you are just minutes to Charlotte Harbor and have easy boating access to Punta Gorda, the Myakka River, the Intracoastal Waterway, Boca Grande, Cabbage Key, and more. Conveniently located in the desirable Port Charlotte/Englewood area, you are close to Gulf beaches, Wellen Park, spring training facilities, Dearborn Street, golf courses, shopping, dining, and have quick access to I-75. This fast-growing area continues to offer small-town charm with endless opportunities to enjoy the Florida lifestyle.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,647

Sqft

0.36 ac

Lot size

3

Garage

2021

Year built

One

Levels

$281

Per sqft

WaterfrontTrees/Woods & Water view

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Dryer · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · High Ceilings · Primary Bedroom Main Floor · Smart Home · Tray Ceiling(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods · Water
FacesNorth
ExteriorIrrigation System · Sidewalk

Community & fees

HOA fee$272/mo
Taxes (2025)$10,150/yr
PetsCats OK, Dogs OK, Number Limit
CommunityIntracoastal Waterway · Water Access · Waterfront · Community Mailbox · Deed Restrictions · Gated Community - No Guard

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Fiber Optics · Public · Sewer Connected · Sprinkler Recycled · Underground Utilities · Water Connected
WaterCanal/Lake For Irrigation · Public

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$5,577 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,020
PMI (est., until 20% equity)$279
Property tax — 2025 actual bill$846
HOA fee — from the listing$272
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $74,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $74,500
Interest rate6.00%
Loan term

Estimated payment

$5,577/mo

Principal & interest$4,020
PMI (est., until 20% equity)$279
Property taxes (actual bill)$846
HOA / condo fee$272
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs HARBOR WEST

$281 vs $340

Days on market

107 vs 59 typical

Where $281/sqft sits among the 10 homes for sale in HARBOR WEST

3
1
0 · this home
1
2
3
$197–231$231–265$265–299$299–332$332–366$366+

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 South Gulf Cove

Map of 14500 PONCE DE LEON TRAIL inside its neighborhood boundary

Get to know Port Charlotte. See the full Port Charlotte guide →

South Gulf Cove — neighborhood snapshot

Population

5,413

Median age

63

Median income

$92,806

Median home value

$480,409

Avg household

2

Households w/ children

284

For the school run

Charlotte County School District

ElementaryMyakka River Elementary School★★★★★
MiddleL. A. Ainger Middle School★★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Charlotte market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$289K$305K

Port Charlotte median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

5 of 10

HARBOR WEST have cut their price

Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 1810% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →

Paper trail

This home's history

CurrentPrice reduced to $745,000 $104K
Apr 20, 2026Listed at $849,000 · 107 days on market since
2021Built · HARBOR WEST

Reality check

What actually sold near 14500 PONCE DE LEON TRAIL

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

14564 GASPAR LOOPSold · Sep ’25

$975,000

14564 GASPAR LOOP · same community

3 bd · 3 ba · 2,650 sqft · $368/sqft · 90 DOM

15176 SPANISH POINT DRIVESold · Sep ’25

$950,000

15176 SPANISH POINT DRIVE · same community

4 bd · 2.5 ba · 2,360 sqft · $403/sqft · 107 DOM

14556 GASPAR LOOPSold · Jul ’26

$860,000

14556 GASPAR LOOP · same community

3 bd · 2.5 ba · 2,357 sqft · $365/sqft · 408 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 14500 PONCE DE LEON TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 14500 PONCE DE LEON TRAIL — before you fall in love.

See it in person

Schedule a tour

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Straight answers

14500 PONCE DE LEON TRAIL FAQs

What would the monthly payment be for 14500 PONCE DE LEON TRAIL?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,577/mo — principal and interest, the actual property-tax bill, the $272/mo association fee 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.

How much are the HOA fees at 14500 PONCE DE LEON TRAIL?+

The association fee works out to $272 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 14500 PONCE DE LEON TRAIL?+

The most recent tax bill on record (2025) was $10,150. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 14500 PONCE DE LEON TRAIL?+

The listing reports pets: Cats OK, Dogs OK, Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Port Charlotte?+

At $745,000, this home is listed about 126% above the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.

Which schools are assigned to 14500 PONCE DE LEON TRAIL?+

Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$745,000 runs 1810% above the PORT CHARLOTTE 33981 median — but at 2,647 sqft it's also 61% larger than the typical Port Charlotte listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $849,000, now $745,000 — a $104K cut. The full history is in the market section below.

Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICE · Michael Zuppardo. MLS #A4690688.

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.

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