4086 GARDNER DRIVE, PORT CHARLOTTE, FL, 33952
Active156 days on marketListed Feb 26, 2026MLS #C7522450
About this home
4086 GARDNER DRIVE
Bring your boat and start enjoying true Florida waterfront living! This GULF ACCESS CANAL-FRONT POOL HOME WITHIN MINUTES TO OPEN WATER in PORT CHARLOTTE and only ONE BRIDGE out to CHARLOTTE HARBOR with NO HOA AND NO CDD, giving you the flexibility and freedom that’s hard to find. Inside, the home features THREE BEDROOMS and TWO UPDATED FULL BATHROOMS WITH TILE WALK-IN SHOWERS, along with a spacious, functional layout designed for comfortable living and entertaining. The living and dining room flow together effortlessly to create an open central gathering space, while a SECOND SEPARATE LIVING ROOM provides additional flexibility for a media room, home office, or relaxed sitting area. Numerous windows throughout fill the home with NATURAL LIGHT, highlighting views of the lush backyard. The kitchen offers an OVERSIZED PANTRY WITH BUILT-IN SHELVING for exceptional storage. Step outside to your private retreat where the SCREENED-IN POOL AND PATIO SPAN OVER 1,200 SQUARE FEET, with a pool OVER 8 FEET DEEP. Strategically placed FLORIDA GLASS PANELS create shaded areas on the patio, complemented by MOUNTED FANS ON THE LANAI, all surrounded by mature tropical landscaping. Boating enthusiasts will appreciate the PRIVATE DOCK AND 7,000 BOAT LIFT (2020), allowing easy access to open waters within minutes before cruising to CHARLOTTE HARBOR for fishing, waterfront dining, or straight across to dine at FISHERMANS VILLAGE. Important updates provide long-term value and peace of mind, including a NEW ROOF (2023), NEW A/C SYSTEM (2024), UPDATED ELECTRICAL PANEL WITH SURGE PROTECTION (2021), extensive PLUMING UPDATES - RELINING ALL HOUSE & SEWER PIPES, and an IMPACT-RATED FRONT ENTRY DOOR (2015). Ideally located just 5 minutes from SUNSEEKER RESORT CHARLOTTE HARBOR, 10 minutes to DOWNTOWN PUNTA GORDA, and 15 minutes to PUNTA GORDA AIRPORT, this home offers the perfect combination of waterfront living and everyday convenience.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,578
Sqft
0.22 ac
Lot size
1961
Year built
One
Levels
$250
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.
$3,032 /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
$3,032/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
+3.3%
$/sqft vs PORT CHARLOTTE SEC 025
$250 vs $212
Days on market
156 vs 56 typical
Where $250/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 → $301K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
1 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 163% 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 4086 GARDNER 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$450,000
499 NOTSON TERRACE · same community
3 bd · 2 ba · 1,532 sqft · $294/sqft · 54 DOM
Sold · Dec ’25$212,000
534 LINDLEY TERRACE · same community
3 bd · 2 ba · 1,505 sqft · $141/sqft · 1 DOM
Sold · Oct ’25$240,000
544 LINDLEY TERRACE · same community
3 bd · 2 ba · 1,449 sqft · $166/sqft · 258 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 4086 GARDNER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4086 GARDNER 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
4086 GARDNER DRIVE FAQs
What would the monthly payment be for 4086 GARDNER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,032/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 4086 GARDNER DRIVE?+
The most recent tax bill on record (2025) was $4,467. 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 $394,900, this home is listed about 18% above the Port Charlotte median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4086 GARDNER DRIVE?+
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
$394,900 runs 163% 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
156 days on market against a Port Charlotte median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $415,000, now $394,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Paige Schneider. MLS #C7522450.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 4086 GARDNER DRIVE but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →