12068 KARNEY AVENUE, PORT CHARLOTTE, FL, 33981
Active7 days on marketListed Aug 2, 2026MLS #TB8524816
About this home
12068 KARNEY AVENUE
Virtually Staged. Pre-Construction. To be built. WELCOME TO YOUR CUSTOM FLORIDA RETREAT IN GULF COVE NORTH Discover the perfect blend of timeless design and modern flexibility with this stunning TO-BE-BUILT FLORIDA FLORIDA COTTAGE, nestled in the highly sought-after GULF COVE NORTH community of Port Charlotte. Designed for seamless living, this exceptional property offers a traditional ONE-STORY LAYOUT with a unique advantage: an integrated, FULLY EQUIPPED PRIVATE APARTMENT / SUITE located behind the garage. Complete with its own LIVING ROOM, KITCHEN, BEDROOM, and FULL BATH, this attached quarters is the ultimate solution for MULTIGENERATIONAL LIVING, hosting long-term guests, or income-generating HOUSE HACKING. MAIN RESIDENCE HIGHLIGHTS: OPEN-CONCEPT LIVING: A VAULTED GREAT ROOM with a CENTERPIECE FIREPLACE anchors the home, flowing effortlessly into the dining area and kitchen. ENTERTAINER'S KITCHEN: Features a SPACIOUS CENTER ISLAND and a large, convenient WALK-IN PANTRY. INDOOR-OUTDOOR FLOW: SLIDING GLASS DOORS off the dining area open to a COVERED SIDE PORCH, creating the perfect setting for al fresco dining. PRIVATE MASTER RETREAT: Tucked away at the rear of the home, the master suite boasts a wonderfully appointed en-suite bath with a WALK-IN SHOWER, DUAL SINKS, and a generous WALK-IN CLOSET. GUEST BEDROOMS: Two additional, well-proportioned bedrooms are thoughtfully situated on the left wing of the home. EXPANDED GARAGE: The 2-CAR GARAGE includes a dedicated THIRD BAY, perfectly sized for a WORKSHOP, GOLF CART, or EXTRA STORAGE. COMMUNITY & LOCATION PERKS: GULF COVE NORTH: A premier Port Charlotte community offering the ultimate Florida lifestyle. OPTIONAL HOA: Experience the benefits of community amenities with the freedom and flexibility of an optional Homeowners Association. WATER ACCESS: Enjoy EXCLUSIVE RIVER ACCESS and a PRIVATE COMMUNITY BOAT RAMP. UNMATCHED CUSTOMIZATION & QUALITY: This TURN-KEY PACKAGE offers FULL CUSTOMIZATION from the ground up. Enjoy PREMIUM, HIGH-QUALITY FINISHES included as standard—details that most other builders consider costly upgrades. An OPTIONAL POOL PACKAGE is also available to complete your ultimate estate. FLEXIBLE PURCHASE OPTIONS: TO-BE-BUILT PACKAGE: Purchase the complete HOME AND LAND PACKAGE to customize your dream estate today. Contact us for full builder brochures and floor plans! LAND ONLY: Love the location but have your own builder? The VACANT LAND is available separately for $20,000. Please Note: Final price, specifications, features, and construction timeline are subject to buyer selections, overall site conditions, and permitting. Photos and renderings may show optional upgrades. Taxes are TBD. Preferred construction-to-permanent lending partners are available to streamline the process. Buyer and buyer's agent to verify all information and dimensions.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,703
Sqft
0.23 ac
Lot size
2
Garage
2027
Year built
One
Levels
$203
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.
$3,671 /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
$3,671/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 056
$203 vs $215
Days on market
7 vs 60 typical
Where $203/sqft sits among the 14 homes for sale in PORT CHARLOTTE SEC 056
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 Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
Gulf Cove — neighborhood snapshot
Population
4,064
Median age
62
Median income
$57,533
Median home value
$349,277
Avg household
2
Households w/ children
274
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)
8 of 14
PORT CHARLOTTE SEC 056 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1290% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 12068 KARNEY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$525,000
12586 PROCTOR AVENUE · same community
4 bd · 3.5 ba · 2,489 sqft · $211/sqft · 17 DOM
Sold · Aug ’25$376,250
5154 GIBSON LANE · same community
4 bd · 2 ba · 2,330 sqft · $161/sqft · 154 DOM
Sold · Aug ’25$415,000
5198 WHITE AVENUE · same community
3 bd · 3 ba · 2,163 sqft · $192/sqft · 230 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 12068 KARNEY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12068 KARNEY 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
12068 KARNEY AVENUE FAQs
What would the monthly payment be for 12068 KARNEY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,671/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 12068 KARNEY AVENUE?+
The most recent tax bill on record (2025) was $437. 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 12068 KARNEY 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 $549,000, this home is listed about 66% above the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 12068 KARNEY AVENUE?+
Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay 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
$549,000 runs 1290% above the PORT CHARLOTTE 33981 median — but at 2,703 sqft it's also 65% larger than the typical Port Charlotte listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 7 days on market in a Port Charlotte market that averages 60 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Jonathan Debellevue. MLS #TB8524816.
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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