554 LINDLEY TERRACE, PORT CHARLOTTE, FL, 33952
Active637 days on marketListed Nov 8, 2024MLS #C7499931
About this home
554 LINDLEY TERRACE
**Gulf Access Home!** Discover your slice of paradise in this Port Charlotte single-family home, situated just 10 minutes from the Harbor with only one bridge to navigate—ideal for the boating enthusiast! Nestled in a Quiet neighborhood with sidewalks, public water & sewer, and no HOA fees or deed restrictions. This 3 Bedroom 2 Bath home is Fully Furnished, turnkey and ready for you to move in! Step inside and find an open floor plan filled with natural light and Enjoy picturesque canal views from the living and dining areas, and a large Family/Florida room perfect for relaxing or entertaining. The kitchen has plenty of wood cabinets, a cooktop, and a built-in oven. The primary bedroom has an ensuite bath, while the two additional bedrooms and bathroom comfortably accommodates family and guests. Step outside to the backyard with two concrete pads (24x15 and 20x10) ideal for grilling and gatherings, plus room to add a pool or hot tub. Experience the joys of waterfront living with your concrete seawall, allowing you to boat, fish, and kayak while enjoying serene views of the 100-foot wide canal. Additional highlights include an inside laundry room and a new roof (2023). Located in the heart of Port Charlotte with easy access to Tamiami Trail (US 41), you’re just moments away from the Port Charlotte Beach Complex, medical facilities, shopping, dining, the new Sunseekers Resort, and the historic charm of downtown Punta Gorda. Embrace a lifestyle filled with boating, world-class fishing, kayaking, beautiful Gulf beaches, golfing, farmers' markets, festivals and vibrant sunsets. Don’t miss out on this opportunity—schedule your appointment to view this home today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,740
Sqft
0.22 ac
Lot size
1959
Year built
One
Levels
$210
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.
$2,784 /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
$2,784/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
+50.4%
$/sqft vs PORT CHARLOTTE SEC 025
$210 vs $249
Days on market
637 vs 59 typical
Where $210/sqft sits among the 6 homes for sale in PORT CHARLOTTE SEC 025
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)
3 of 6
PORT CHARLOTTE SEC 025 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 152% 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 554 LINDLEY TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$204,000
21452 EDGEWATER DRIVE · same community
3 bd · 2 ba · 1,749 sqft · $117/sqft · 149 DOM
Sold · Jul ’26$350,000
4238 GARDNER DRIVE · same community
2 bd · 2.5 ba · 1,712 sqft · $204/sqft · 159 DOM
Sold · Apr ’26$209,000
839 CONREID DRIVE NE · same community
3 bd · 2 ba · 1,899 sqft · $110/sqft · 51 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 554 LINDLEY TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 554 LINDLEY TERRACE — 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
554 LINDLEY TERRACE FAQs
What would the monthly payment be for 554 LINDLEY TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,784/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 554 LINDLEY TERRACE?+
The most recent tax bill on record (2024) was $3,769. 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 554 LINDLEY TERRACE?+
The listing reports pets: Yes. 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 $365,000, this home is listed about 10% above the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 554 LINDLEY TERRACE?+
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
$365,000 runs 152% above the PORT CHARLOTTE 33952 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
637 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 $389,000, now $365,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLOTTE COUNTY PROPERTIES · Leo Albanes. MLS #C7499931.
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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