2295 MCPHEARSON DRIVE, PORT CHARLOTTE, FL, 33953
Active157 days on marketListed Feb 21, 2026MLS #C7522142
About this home
2295 MCPHEARSON DRIVE
Unlock the ultimate Florida lifestyle on this prime waterfront lot located at 2295 McPhearson Drive. This residentially zoned (RSF3.5) property offers approximately 41 feet of serene lagoon frontage, providing the perfect canvas for your custom coastal retreat. Boaters will love the backyard access via the Dickens Canal, which leads directly to the majestic Myakka River. From there, your saltwater adventures are limitless—explore the Peace River, navigate the expansive Charlotte Harbor, head out into the Gulf of Mexico for world-class fishing, or even chart a course south to the Florida Keys. Beyond the water, this property boasts an unbeatable location that balances tranquility with total convenience. Perfectly positioned just off Hwy 776, the property sits approximately 10 minutes from US-41 and 20 minutes from I-75, ensuring effortless travel throughout the state. You are minutes away from premier shopping at the Port Charlotte Town Center, a diverse array of local dining, and the Charlotte County Sports Park—the Spring Training home of the Tampa Bay Rays. For those who love the outdoors, you can play a different golf course every day of the week or reach the area’s white-sand beaches of Boca Grande or Englewood in under 30 minutes. Don’t miss this rare opportunity to secure a piece of the Florida dream and build the waterfront home you’ve always imagined!
Facts & features
The home at a glance
0.23 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.
$931 /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
$931/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 Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33953 — neighborhood snapshot
Population
7,018
Median age
62.9
Median income
$77,227
Median home value
$332,200
Avg household
2.36
Households w/ children
430
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 → $301K
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 370% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 2295 MCPHEARSON DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$285,000
13460 TOLMAN AVENUE · same community
3 bd · 2 ba · 1,712 sqft · $166/sqft · 525 DOM
Sold · Apr ’26$347,000
2355 JACOBS STREET · same community
4 bd · 3 ba · 2,117 sqft · $164/sqft · 415 DOM
Sold · Apr ’26$720,000
13314 PRENTICE AVENUE · same community
3 bd · 3 ba · 2,150 sqft · $335/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 2295 MCPHEARSON DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2295 MCPHEARSON DRIVE — 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
2295 MCPHEARSON DRIVE FAQs
What would the monthly payment be for 2295 MCPHEARSON DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $931/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 2295 MCPHEARSON DRIVE?+
The most recent tax bill on record (2025) was $1,045. 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 2295 MCPHEARSON DRIVE?+
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 $108,000, this home is listed about 68% below the Port Charlotte median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2295 MCPHEARSON DRIVE?+
Murdock Middle School (middle), Port Charlotte High School (high), Liberty Elementary School (elementary) — 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
$108,000 runs 370% above the PORT CHARLOTTE 33953 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
157 days on market against a Port Charlotte median of 56 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · Bob Helphenstine. MLS #C7522142.
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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