495 SCHOONER STREET, NORTH PORT, FL, 34287
Active208 days on marketListed Jan 7, 2026MLS #C7519625
About this home
495 SCHOONER STREET
Lowest-priced waterfront property on the market. Updated, modern home, perfectly situated on Lake Dolphin in the premier 55+ gated community of Harbor Isles. Land owned. BRAND NEW VAPOR BARRIER. Seller states home has a newer metal roof, a carport, and a shed. 2022 A/C. This home offers unobstructed, panoramic views of Lake Dolphin and is just 0.1 miles from the community boat ramp and kayak launch. The modern kitchen opens to a spacious living area ideal for entertaining, featuring an oversized island, new stainless steel appliances, a wall oven, and cooktop. The primary bedroom offers an ensuite updated bathroom and two walk-in closets, while the guest bedroom includes its own ensuite bathroom and walk-in closet, providing comfort and privacy for residents and guests. Spacious, long, and wide carport with plenty of parking, complemented by an oversized shed featuring a conveniently located washer and dryer. Harbor Isles is a premier, gated 55+ community situated along the scenic Myakka River, just minutes from the Gulf of America. LOW HOA $196 a month. NO LOT Rent. Residents enjoy an impressive array of amenities, including a heated pool and spa, state-of-the-art fitness center, tennis and pickleball courts, bocce and shuffleboard, an expansive clubhouse, library, and a marina offering boat and kayak access to the Gulf. This pet-friendly community features a vibrant social calendar with clubs and activities for every interest, making Harbor Isles the perfect place to enjoy an active and relaxed Florida lifestyle. There is plenty of wildlife to enjoy; herons, egrets, cranes, ibis, parrots, even alligators and manatees! Conveniently located within minutes of Downtown Wellen Park, Costco, shopping, restaurants, and a short drive to beautiful Gulf Beaches. Schedule a viewing today and make this dream home a reality!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,471
Sqft
0.11 ac
Lot size
1996
Year built
One
Levels
$115
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 and the real association fee — not generic estimates.
$1,661 /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
$1,661/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
−32.6%
$/sqft vs North Port actives
$115 vs $200
Days on market
208 vs 53 typical
Where $115/sqft sits among the 400 North Port actives
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 Harbor Isles
Get to know North Port. See the full North Port guide →
Harbor Isles — neighborhood snapshot
Population
646
Median age
73
Median income
$46,382
Median home value
$160,301
Avg household
1
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The North Port market
$316K → $304K
North Port median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
182 of 400
North Port actives have cut their price
Median sold price, North Port, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% above the NORTH PORT 34287 median. See the full North Port market guide →
Paper trail
This home's history
Reality check
What actually sold near 495 SCHOONER STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$145,000
624 PORTSIDE DRIVE · same community
2 bd · 2 ba · 1,485 sqft · $98/sqft · 59 DOM
Sold · Dec ’25$158,500
634 SCHOONER STREET · same community
3 bd · 2 ba · 1,456 sqft · $109/sqft · 384 DOM
Sold · Nov ’25$130,000
453 SHARKS POINT · same community
3 bd · 2 ba · 1,450 sqft · $90/sqft · 166 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 495 SCHOONER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 495 SCHOONER STREET — 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
495 SCHOONER STREET FAQs
What would the monthly payment be for 495 SCHOONER STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,661/mo — principal and interest, the actual property-tax bill, the $196/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 495 SCHOONER STREET?+
The association fee works out to $196 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 495 SCHOONER STREET?+
The most recent tax bill on record (2025) was $2,761. 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 495 SCHOONER STREET?+
The listing reports pets: Number Limit, Size 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 North Port?+
At $169,900, this home is listed about 49% below the North Port median of $335,422. The market section on this page shows how the area is trending.
Which schools are assigned to 495 SCHOONER STREET?+
Glenallen Elementary School (elementary), Heron Creek Middle School (middle), North Port High School (high) — Sarasota 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
$169,900 runs 43% above the NORTH PORT 34287 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
208 days on market against a North Port median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $199,900, now $169,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP MVP · Dena Sternquist PA. MLS #C7519625.
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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