557 READING STREET NW, PORT CHARLOTTE, FL, 33952
Active402 days on marketListed Jul 8, 2025MLS #A4657941
About this home
557 READING STREET NW
GREAT OPPORTUNITY AND UP TO $3000 SELLER CREDIT AVAILABLE TOWARD CLOSING COST OR INTEREST RATE BUYDOWN WITH ACCEPTABLE OFFER!!!! Are you looking for NO HOA so you can park your business vehicles, RV, or boat? Need to build an in-law suite/cottage? This move-in ready 3 bedroom, 2 bath POOL HOME on 1/3 acre oversized lot has MANY POSSIBILITIES!!! The master bedroom is spacious with a large walk in shower. The split floor plan has two bedrooms on the opposite end of the home and a separate bathroom. The kitchen features wood cabinets, granite countertops and stainless steel appliances . There's even a pass through serving window to the lanai from the kitchen. Professionally cleaned and freshly painted interior, it is ready for a new owner. NEW ROOF AND HEATED POOL/paver deck/lanai and cage installed in 2024. NEW PVC fence (single and double gate entry) to let your pets roam free. There is a large storage shed for yard equipment or use as a workshop. The garage has been divided with a laundry room and separate storage. It can be easily converted back into a single car garage. No hassle with a well or septic maintenance. This home is on both city water and sewer. There is a combination of Storm Impact glass windows and galvanized hurricane panels for the home. Come check out this double lot property with close access to everyday needs. Nearby access to public boat ramps. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,624
Sqft
0.34 ac
Lot size
1
Garage
1964
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.
$2,641 /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
$2,641/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
+11%
$/sqft vs PORT CHARLOTTE SEC 005
$203 vs $191
Days on market
402 vs 59 typical
Where $203/sqft sits among the 10 homes for sale in PORT CHARLOTTE SEC 005
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)
5 of 10
PORT CHARLOTTE SEC 005 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 127% 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 557 READING STREET NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$302,000
566 READING STREET NW · same community
3 bd · 2 ba · 1,640 sqft · $184/sqft · 65 DOM
Sold · Mar ’26$244,303
3119 PINETREE STREET · same community
2 bd · 2 ba · 1,604 sqft · $152/sqft · 138 DOM
Sold · Jan ’26$280,000
11100 VANESSA AVENUE · same community
3 bd · 2 ba · 1,550 sqft · $181/sqft · 35 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 557 READING STREET NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 557 READING STREET NW — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
557 READING STREET NW FAQs
What would the monthly payment be for 557 READING STREET NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,641/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 557 READING STREET NW?+
The most recent tax bill on record (2024) was $4,750. 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 557 READING STREET NW?+
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 $329,500, this home is priced right at the Port Charlotte median.
Which schools are assigned to 557 READING STREET 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.
The brief
Four things that matter here
01Positioned at the premium end
$329,500 runs 127% above the PORT CHARLOTTE 33952 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
402 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $380,000, now $329,500 — a $51K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TNG REAL ESTATE · Carlos Santana Pa. MLS #A4657941.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 557 READING STREET NW but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Lacie to ping you on any price or status change →