1638 SADDLEWOOD CIRCLE, PORT CHARLOTTE, FL, 33953
Active113 days on marketListed Apr 16, 2026MLS #C7524861
About this home
1638 SADDLEWOOD CIRCLE
Close to Gulf Beaches, shopping, abundant restaurant choices, music venues, ball parks, and Charlotte County Fairgrounds. House is like brand new in gated community with pool and pickleball courts. Available Sep-Nov 2026. Owner pays utilities and cleaning after move out. Minimum 30 day lease with application to HOA required.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,027
Sqft
0.16 ac
Lot size
2
Garage
2024
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /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
$178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Port Charlotte actives
$1 vs $208
Days on market
113 vs 59 typical
Where $1/sqft sits among the 400 Port Charlotte 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 Murdock Village
Get to know Port Charlotte. See the full Port Charlotte guide →
Murdock Village — neighborhood snapshot
Population
770
Median age
57
Median income
$22,690
Median home value
$11,917
Avg household
2
Households w/ children
111
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)
180 of 400
Port Charlotte actives have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% below the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 1638 SADDLEWOOD CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$330,000
1689 SADDLEWOOD CIRCLE · same community
3 bd · 3 ba · 1,858 sqft · $178/sqft · 163 DOM
Sold · Jul ’26$510,000
1885 CROSSVINE COURT · same community
3 bd · 3 ba · 2,201 sqft · $232/sqft · 33 DOM
Sold · Sep ’25$460,000
15992 HONEY SUCKLE STREET
3 bd · 3 ba · 2,027 sqft · $227/sqft · 40 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 1638 SADDLEWOOD CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1638 SADDLEWOOD CIRCLE — 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
1638 SADDLEWOOD CIRCLE FAQs
What would the monthly payment be for 1638 SADDLEWOOD CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $178/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1638 SADDLEWOOD CIRCLE?+
The listing reports pets: No. 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 $2,450, this home is listed about 99% below the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 1638 SADDLEWOOD CIRCLE?+
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
01Under the PORT CHARLOTTE 33953 market on paper
$2,450 is 89% below the PORT CHARLOTTE 33953 median of $22,000, and at $1/sqft it sits under the Port Charlotte average of $226.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03The price has already moved
Listed at $2,800, now $2,450 — a $350 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Deborah Veley. MLS #C7524861.
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 1638 SADDLEWOOD CIRCLE 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 →