
540 GROVE AVENUE NW, PORT CHARLOTTE, FL, 33952
Active104 days on marketListed Apr 29, 2026MLS #C7525314
About this home
540 GROVE AVENUE NW
Warm, welcoming, and thoughtfully designed, this home balances open living with inviting spaces that make everyday life feel effortless. Natural light pours through well placed windows, illuminating an expansive living area that flows seamlessly into a separate dining space perfect for both intimate dinners and lively gatherings. The kitchen carries a clean, classic look with white cabinetry, a 2024 refrigerator, generous storage, and a built in breakfast bar that naturally becomes the heart of daily routines, while a pass through at the sink keeps you connected to the enclosed Florida room, a versatile space that works beautifully as a home office or an extended entertaining area, complete with double French doors that open to the back patio. Tile and bamboo flooring guide you through the home into the primary suite, where the atmosphere shifts into a spa like retreat, featuring a newly updated en suite bath with a striking tile shower and white marble inspired design. A comfortable guest bedroom and a spacious guest bath provide flexibility for visitors. Outdoors, the setting becomes quietly restorative, with a shaded and peaceful, fenced yard that invites you to slow down, follow the path to a paver patio beneath the trees, and enjoy the soft close of the day. The grounds are rich with character, filled with Simpson’s Stopper, sea grape, walking iris, gardenia, passion vine, jasmine, bromeliads, lilies, native honeysuckle, Golden Goddess bamboo, native plum, and frangipani. A 2018 roof and 2025 water heater add lasting value, while a two car garage and no HOA bring both convenience and freedom, all set in Port Charlotte with easy access to U.S. Route 41 and close to the waterfront charm of Downtown Punta Gorda, Fishermen’s Village, Sunseeker Resort Charlotte Harbor, and Punta Gorda Airport.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,486
Sqft
0.23 ac
Lot size
2
Garage
1973
Year built
One
Levels
$157
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.
$1,784 /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
$1,784/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
+10.6%
$/sqft vs PORT CHARLOTTE SEC 010
$157 vs $257
Days on market
104 vs 60 typical
Where $157/sqft sits among the 13 homes for sale in PORT CHARLOTTE SEC 010
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 → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
9 of 13
PORT CHARLOTTE SEC 010 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 64% 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 540 GROVE AVENUE NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$176,000
556 LOWELL AVENUE NW · same community
3 bd · 2 ba · 1,546 sqft · $114/sqft · 169 DOM
Sold · Jan ’26$275,000
3307 PINETREE STREET · same community
3 bd · 2 ba · 1,547 sqft · $178/sqft · 52 DOM
Sold · Oct ’25$229,000
570 MIMOSA AVENUE NW · same community
3 bd · 2 ba · 1,400 sqft · $164/sqft · 128 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 540 GROVE AVENUE NW — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 540 GROVE AVENUE NW — 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
540 GROVE AVENUE NW FAQs
What would the monthly payment be for 540 GROVE AVENUE NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,784/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 540 GROVE AVENUE NW?+
The most recent tax bill on record (2025) was $1,721. 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 $234,000, this home is listed about 29% below the Port Charlotte median of $330,740. The market section on this page shows how the area is trending.
Which schools are assigned to 540 GROVE AVENUE NW?+
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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HARBOR REALTY · Bobbi Bevis. MLS #C7525314.
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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