12980 RIDGELY CIRCLE UNIT 3, PORT CHARLOTTE, FL, 33981
Active385 days on marketListed Jul 17, 2025MLS #C7512503
About this home
12980 RIDGELY CIRCLE UNIT 3
Zoned: Multi Family 10 Units / Acre - Rmf10 Lot. 17,231 Lot Sq ft. = 0.3956 Lot acres Type: Res Lot. Sold as is or can be sold with building plans for a Triplex. Local amenities, beaches, and Tiki Bars and Live entertainment daily. The best Tarpon and red game fishing in the world with off speed boat racing to spring training baseball teams as The Atlanta Braves and Tampa Rays baseball teams. Just want to go to the local beaches (Port Charlotte, Boca Grande, Englewood and Sarasota beaches) or fishing for the day. Great to do it all with whatever you can dream or do as a hobby. Local International Airports: Fort Myers, Sarasota and local Punta Gorda with Allegiant airlines direct. Many outdoor concert venues weekly. Many local Tiki Clubs watch live entertainment to have a Sunset view. Local parks, state parks, tennis or pickleball, to amazing golf courses. You deserve to view this property and make it your home or investment. You even have room to add or build a new pool. Scrub jay free. No permit needed.
Facts & features
The home at a glance
0.4 ac
Lot size
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.
$874 /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
$874/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.
Where it sits
Inside Englewood East
Get to know Port Charlotte. See the full Port Charlotte guide →
Englewood East — neighborhood snapshot
Population
12,116
Median age
58
Median income
$62,950
Median home value
$270,898
Avg household
2
Households w/ children
673
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 136% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 12980 RIDGELY CIRCLE UNIT 3
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$275,000
117 HERCULES DRIVE
3 bd · 2 ba · 1,540 sqft · $179/sqft · 0 DOM
Sold · Sep ’25$280,000
110 LILYAN COURT
3 bd · 2 ba · 1,551 sqft · $181/sqft · 239 DOM
Sold · Sep ’25$265,000
110 LEISURE PLACE
3 bd · 2 ba · 1,551 sqft · $171/sqft · 19 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 12980 RIDGELY CIRCLE UNIT 3 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12980 RIDGELY CIRCLE UNIT 3 — 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
12980 RIDGELY CIRCLE UNIT 3 FAQs
What would the monthly payment be for 12980 RIDGELY CIRCLE UNIT 3?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $874/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 12980 RIDGELY CIRCLE UNIT 3?+
The most recent tax bill on record (2024) was $1,580. 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 $92,000, this home is listed about 72% below the Port Charlotte median of $332,425. The market section on this page shows how the area is trending.
Which schools are assigned to 12980 RIDGELY CIRCLE UNIT 3?+
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
$92,000 runs 136% above the PORT CHARLOTTE 33981 median.
02Time on market is leverage
385 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $105,000, now $92,000 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Adam Keller. MLS #C7512503.
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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