548 ROSE APPLE CIRCLE, PORT CHARLOTTE, FL, 33954
Active69 days on marketListed May 27, 2026MLS #N6144072
About this home
548 ROSE APPLE CIRCLE
SITUATED ON A RARE DOUBLE LOT, this beautifully maintained 2BR 2BA plus flex room home in Oak Hollow delivers exceptional space, privacy, and value in one of the area’s most desirable deed-restricted communities. From the moment you arrive, the glass impact front door and screened front porch set the tone for a welcoming and well-cared-for residence. Inside, high ceilings and a freshly painted interior create a bright, open feel. The kitchen is both functional and inviting, featuring Corian countertops, stainless steel appliances (approx. 2 years old), a vented microwave to the exterior, abundant cabinetry, and a charming eat-in dining area. Thoughtful upgrades continue throughout, including an LG washer/dryer combo (approx. 2 years old), linen closet, and pull-down attic stairs for added storage. The living space flows seamlessly to the lanai, complete with a motorized sunshade and impact-rated door for comfort and peace of mind. Designed for easy Florida living, the exterior offers accordion hurricane shutters, a new garage screen, and a shed for additional storage. Major updates include a 2023 roof, 2019 AC with ultraviolet light, upgraded electrical system (2019), whole-house water filtration system, and a 22KW whole-house generator serviced annually, along with a new garage door opener. Residents of Oak Hollow enjoy access to a heated pool, fitness center, clubhouse, and tennis courts, all within a beautifully maintained community. A rare combination of space, upgrades, and location—this move-in-ready home is ideal for enjoying the Florida lifestyle year-round.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,461
Sqft
0.47 ac
Lot size
2
Garage
1994
Year built
One
Levels
$178
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 and the real association fee — not generic estimates.
$2,449 /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
$2,449/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
+1.5%
$/sqft vs Port Charlotte actives
$178 vs $208
Days on market
69 vs 59 typical
Where $178/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)
166 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 920% 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 548 ROSE APPLE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$230,000
445 ROSE APPLE CIRCLE · same community
3 bd · 2 ba · 1,422 sqft · $162/sqft · 23 DOM
Sold · Jan ’26$284,000
425 ROSE APPLE CIRCLE · same community
3 bd · 2 ba · 1,511 sqft · $188/sqft · 58 DOM
Sold · Aug ’25$205,000
464 ROSE APPLE CIRCLE · same community
3 bd · 2 ba · 1,365 sqft · $150/sqft · 17 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 548 ROSE APPLE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 548 ROSE APPLE 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
548 ROSE APPLE CIRCLE FAQs
What would the monthly payment be for 548 ROSE APPLE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,449/mo — principal and interest, the actual property-tax bill, the $139/mo association fee 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.
How much are the HOA fees at 548 ROSE APPLE CIRCLE?+
The association fee works out to $139 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 548 ROSE APPLE CIRCLE?+
The most recent tax bill on record (2025) was $6,052. 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 548 ROSE APPLE CIRCLE?+
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 $260,000, this home is listed about 21% below the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 548 ROSE APPLE CIRCLE?+
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
$260,000 runs 920% above the PORT CHARLOTTE 33954 median.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $275,000, now $260,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Janice Ward. MLS #N6144072.
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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