David Ramirez
$395,000$415,0003 bd2 ba1,865 sqft$212 /sqft$3,012 /mo all-in ↓

10104 RAFFERTY AVENUE, ENGLEWOOD, FL, 34224

Active112 days on marketListed Apr 16, 2026MLS #C7524016

Reduced $20KSingle Family ResidencePORT CHARLOTTE SEC 064

About this home

10104 RAFFERTY AVENUE

Welcome to a home where every detail has been handled for you. Situated on nearly half an acre, this beautifully modernized 3-bedroom, 2-bath, 2-car garage residence offers the perfect blend of coastal security and contemporary style. From the moment you step inside, you’ll notice the thoughtful upgrades and clean, modern design that make this home truly move-in ready. Bright, open living spaces flow with ease, creating a layout that feels both inviting and functional. Every corner has been refreshed with care, giving the home a crisp, polished feel while still keeping it warm and comfortable. At the heart of the home is the chef’s kitchen, designed to impress and built to perform. It features all-new stainless steel appliances, custom soft-close wood cabinetry, and pull-out drawers for easy storage. A large bar-style center makes cooking and entertaining simple and fun. Granite countertops and a subway-style tile backsplash add a timeless touch. Throughout the home, you’ll find new designer-engineered hardwood flooring, cottage-style window shutters, updated fans and lighting, and all-new raised panel interior doors. Each bedroom offers updated ceiling fixtures and oversized walk-in closets, providing both comfort and space. The family room invites you to relax by the stone-textured, corner wood-burning fireplace, while the extra area offers flexibility for a small dry-bar or creative space. This home also stands out for its strong upgrades focused on protection and efficiency. A durable metal roof, PGT insulated hurricane impact windows and doors, and a brand-new AC system—including new ductwork—bring peace of mind. The property has been fully re-plumbed and features upgraded electrical capacity, making it ready for modern living. Step outside to enjoy a massive screened enclosure and a spacious yard ready for your ideas. With an outdoor shower and pool bath already in place, adding a full-sized pool or hot tub is simple. The grounds include fruit trees, a picnic area, a large storage shed, and added privacy. There’s also extra parking for a boat or RV. Conveniently located close to schools, shopping, restaurants, and just a short drive to Gulf beaches, this home offers both comfort and location. A survey is available for the buyer—schedule your private tour today!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,865

Sqft

0.46 ac

Lot size

2

Garage

1988

Year built

One

Levels

$212

Per sqft

Garden & Trees/Woods viewNegotiablePets allowed

Inside

FlooringEngineered Hardwood · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Pest Guard System · Primary Bedroom Main Floor · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryIn Garage
CoolingCentral Air · Humidity Control
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
ViewGarden · Trees/Woods
FacesSouth
ParkingBoat · Covered · Driveway · Garage Door Opener · Parking Pad · RV Parking
ExteriorGarden · Hurricane Shutters · Private Yard · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$4,223/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Phone Available · Street Lights · Water Connected
WaterPublic · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,012 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,325
FHA mortgage insurance (est.)$175
Property tax — 2025 actual bill$352
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,825Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,825
Interest rate6.00%
Loan term

Estimated payment

$3,012/mo

Principal & interest$2,325
FHA mortgage insurance (est.)$175
Property taxes (actual bill)$352
Est. insurance$160

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.

List $395K
$313KedgeAI estimate $331,388 · range $326K$351K$411K

vs edgeAI estimate

+19.2%

$/sqft vs PORT CHARLOTTE SEC 064

$212 vs $205

Days on market

112 vs 68 typical

Where $212/sqft sits among the 8 homes for sale in PORT CHARLOTTE SEC 064

3
2
2 · this home
0
0
1
$153–180$180–207$207–235$235–262$262–290$290+

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 Englewood East

Map of 10104 RAFFERTY AVENUE inside its neighborhood boundary

Get to know Englewood. See the full Englewood 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

ElementaryMyakka River Elementary School★★★★★
MiddleL. A. Ainger Middle School★★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Englewood market

Seller’s marketLeans seller3.5 months of inventoryBuyer’s market

$330K$330K

Englewood median sold, yr/yr

94.6%

Sale-to-list ratio (12 mo)

2 of 8

PORT CHARLOTTE SEC 064 have cut their price

Median sold price, Englewood, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 344% above the ENGLEWOOD 34224 median. See the full Englewood market guide →

Paper trail

This home's history

CurrentPrice reduced to $395,000 $20K
Apr 16, 2026Listed at $415,000 · 112 days on market since
1988Built · PORT CHARLOTTE SEC 064

Reality check

What actually sold near 10104 RAFFERTY AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

10253 WINSTEAD AVENUESold · Jul ’26

$395,000

10253 WINSTEAD AVENUE · same community

3 bd · 2 ba · 1,828 sqft · $216/sqft · 180 DOM

7168 LIGHTHOUSE STREETSold · Jan ’26

$535,000

7168 LIGHTHOUSE STREET · same community

3 bd · 3 ba · 1,906 sqft · $281/sqft · 439 DOM

7490 SPINNAKER BOULEVARDSold · Feb ’26

$414,900

7490 SPINNAKER BOULEVARD · same community

3 bd · 2 ba · 1,941 sqft · $214/sqft · 73 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 10104 RAFFERTY AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10104 RAFFERTY AVENUE — 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

10104 RAFFERTY AVENUE FAQs

What would the monthly payment be for 10104 RAFFERTY AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,012/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 10104 RAFFERTY AVENUE?+

The most recent tax bill on record (2025) was $4,223. 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 10104 RAFFERTY AVENUE?+

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 Englewood?+

At $395,000, this home is listed about 8% above the Englewood median of $365,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10104 RAFFERTY AVENUE?+

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

$395,000 runs 344% above the ENGLEWOOD 34224 median — but at 1,865 sqft it's also 26% larger than the typical Englewood listing.

02Garden & Trees/Woods views

The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.

03The price has already moved

Listed at $415,000, now $395,000 — a $20K cut. The full history is in the market section below.

Listing courtesy of KW PEACE RIVER PARTNERS · Rhonda Gustitus. MLS #C7524016.

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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