218 CAYUGA STREET, PORT CHARLOTTE, FL, 33954
Active15 days on marketListed Jul 22, 2026MLS #C7528639
About this home
218 CAYUGA STREET
Virtually Staged. Welcome to this beautifully designed 4-bedroom, 2-bathroom home with a 2-car garage, built in 2022 and offering 1,670 square feet of thoughtfully crafted living space. Nestled in a peaceful Port Charlotte neighborhood, this newer construction home seamlessly blends modern comfort, functionality, and privacy. From the moment you arrive, you'll appreciate the inviting curb appeal, clean architectural lines, and spacious driveway. Step inside to discover a bright, open floor plan designed to complement today's lifestyle, with comfortable living spaces ideal for both everyday living and entertaining. At the heart of the home is the open-concept kitchen, dining, and living area. The stylish kitchen features granite countertops, stainless steel appliances, abundant white shaker style cabinetry, and a large center island with bar seating. The seamless flow into the dining and living spaces creates an inviting atmosphere, while recessed lighting, neutral finishes, and expansive sliding glass doors fill the home with natural light and enhance its bright, airy feel. Designed with privacy in mind, the split-bedroom floor plan places the spacious primary suite apart from the secondary bedrooms. The owner's retreat offers a large walk-in closet and a private en-suite bathroom complete with dual vanities and a tub/shower combination, creating a comfortable space to relax and unwind. On the opposite side of the home, three well-sized guest bedrooms feature plush carpeting and ample closet space. A full guest bathroom serves these rooms, providing a functional layout for family members, guests, or a home office setup. Situated on a generously sized lot, the property backs to a beautiful, wooded area, offering a peaceful and private backdrop with no immediate rear neighbors. The expansive backyard provides endless possibilities, with plenty of room for outdoor entertaining, gardening, pets, or even the addition of a future pool. Additional features include an interior laundry room conveniently located just inside the attached two-car garage, offering practical storage solutions and everyday convenience. Built in 2022, this move-in-ready home delivers the peace of mind, energy efficiency, and modern features that come with newer construction. Conveniently located near shopping, dining, parks, schools, and all that Port Charlotte has to offer, this exceptional property presents an outstanding opportunity to embrace the Florida lifestyle. **PLEASE ENJOY THE 3D INTERACTIVE VIRTUAL TOUR ASSOCIATED WITH THIS LISTING**
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,637
Sqft
0.23 ac
Lot size
2
Garage
2022
Year built
One
Levels
$186
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.
$2,474 /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
$2,474/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
Right at the estimate
$/sqft vs Port Charlotte actives
$186 vs $208
Days on market
15 vs 59 typical
Where $186/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 33954 — neighborhood snapshot
Population
11,604
Median age
52.8
Median income
$83,081
Median home value
$304,000
Avg household
2.42
Households w/ children
1,156
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)
179 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 1120% above the PORT CHARLOTTE 33954 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 218 CAYUGA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$269,990
16803 SOL PRESERVE DRIVE
3 bd · 2 ba · 1,623 sqft · $166/sqft · 24 DOM
Sold · Mar ’26$269,990
1466 SUNSET PRESERVE WAY
3 bd · 2 ba · 1,623 sqft · $166/sqft · 14 DOM
Sold · Jul ’26$269,000
16851 CAYO KEY DRIVE
3 bd · 2 ba · 1,692 sqft · $159/sqft · 121 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 218 CAYUGA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 218 CAYUGA STREET — 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
218 CAYUGA STREET FAQs
What would the monthly payment be for 218 CAYUGA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,474/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 218 CAYUGA STREET?+
The most recent tax bill on record (2025) was $4,602. 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 218 CAYUGA STREET?+
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 $305,000, this home is listed about 8% 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 218 CAYUGA STREET?+
Kingsway 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
$305,000 runs 1120% above the PORT CHARLOTTE 33954 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $315,000, now $305,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARINA PARK REALTY LLC · Alexis LaGreca Morales. MLS #C7528639.
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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