21239 COTTONWOOD AVENUE, PORT CHARLOTTE, FL, 33952
Active38 days on marketListed Jul 11, 2026MLS #C7527650
About this home
21239 COTTONWOOD AVENUE
Welcome to the ultimate worry-free, low-overhead waterfront lifestyle! This beautifully modernized 2-bedroom, 2-bathroom canal-front retreat has been systematically updated from top to bottom, offering an unmatchable combination of luxury, efficiency, and fortress-like storm protection. The heavy lifting has already been done for you, featuring a new roof (2023), hurricane-rated impact windows (2020), and a hurricane garage door (2020)—all combining to unlock maximum homeowners insurance discounts from day one. Step inside to find a fully remodeled kitchen and primary bathroom boasting premium finishes, modern vanities, and sleek contemporary hardware. Additional mechanical peace of mind includes a new water heater (2020). Love outdoor living? The sprawling porch enclosure (2023) offers a massive, bug-free space to relax and soak in the wide, peaceful views of your freshwater canal. The backyard is a true tropical oasis, complete with mature palms, an above-ground pool with a custom-built wood step deck, and a sliding screen enclosure on the garage opening for perfect cross-ventilated workspaces. Forget about high recurring monthly overhead: the premium, grid-tied Enphase solar system fully offsets the electric bill, while the Flood Zone X designation eliminates mandatory flood insurance. With no HOA restrictions, you can freely utilize the extended concrete parking pad for your large RV, boat, or trailer. Opportunities with this caliber of upgrades, water views, and monthly cost savings do not last long in Port Charlotte—schedule your private tour today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,366
Sqft
0.23 ac
Lot size
2
Garage
1972
Year built
One
Levels
$185
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.
$1,973 /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
$1,973/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
−2.6%
$/sqft vs Port Charlotte actives
$185 vs $208
Days on market
38 vs 59 typical
Where $185/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 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)
201 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 75% 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 21239 COTTONWOOD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$237,000
3132 CRESTWOOD DRIVE
3 bd · 2 ba · 1,382 sqft · $171/sqft · 116 DOM
Sold · Sep ’25$242,500
3187 ELKCAM BOULEVARD
2 bd · 2 ba · 1,411 sqft · $172/sqft · 91 DOM
Sold · Oct ’25$43,000
3106 HARBOR BOULEVARD UNIT 2A
2 bd · 2 ba · 1,280 sqft · $34/sqft · 51 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 21239 COTTONWOOD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21239 COTTONWOOD 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.
Straight answers
21239 COTTONWOOD AVENUE FAQs
What would the monthly payment be for 21239 COTTONWOOD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,973/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 21239 COTTONWOOD AVENUE?+
The most recent tax bill on record (2025) was $2,538. 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 21239 COTTONWOOD 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 Port Charlotte?+
At $253,000, this home is listed about 23% below the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 21239 COTTONWOOD AVENUE?+
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
Three things that matter here
01Positioned at the premium end
$253,000 runs 75% 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.
03The price has already moved
Listed at $259,000, now $253,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REMAX LANDMARK · Alex LeClair. MLS #C7527650.
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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