5048 MONTEGO LANE, PORT CHARLOTTE, FL, 33981
Active147 days on marketListed Mar 12, 2026MLS #C7523295
About this home
5048 MONTEGO LANE
Nice lot in a quiet area of Gulf Cove with newer homes and new construction nearby. This lot offers a unique opportunity to build the home of your dreams, Situated in the Gulf Cove area of Port Charlotte a quiet area, this land boasts panoramic views and is in a convenient location close to local amenities. With ample space to design and build, this lot is perfect for those looking to create their own personal paradise. Wonderful opportunity to build your 'Old Florida' style home. Fishing, boating, kayaking, golfing throughout the year. Don't miss the chance to turn this land into your HOME!! This is a Voluntary HOA property.
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.
$378 /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
$378/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 Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
Gulf Cove — neighborhood snapshot
Population
4,064
Median age
62
Median income
$57,533
Median home value
$349,277
Avg household
2
Households w/ children
274
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 26% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 5048 MONTEGO LANE
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$135,000
5153 HOGAN STREET · same community
2 bd · 1 ba · 600 sqft · $225/sqft · 75 DOM
Sold · May ’26$278,000
4600 KEMPSON LANE · same community
3 bd · 2 ba · 1,143 sqft · $243/sqft · 726 DOM
Sold · Jan ’26$250,000
12143 DU BARRY AVENUE · same community
3 bd · 2 ba · 1,192 sqft · $210/sqft · 61 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 5048 MONTEGO LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5048 MONTEGO LANE — 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
5048 MONTEGO LANE FAQs
What would the monthly payment be for 5048 MONTEGO LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $378/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 5048 MONTEGO LANE?+
The most recent tax bill on record (2024) was $414. 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 $29,000, this home is listed about 91% 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 5048 MONTEGO LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of JOHN R WOOD PROPERTIES · Chrisdyan Linares. MLS #C7523295.
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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