1091 LUAU STREET, NORTH PORT, FL, 34286
Active131 days on marketListed Apr 2, 2026MLS #A4687958
About this home
1091 LUAU STREET
Virtually Staged. You know the feeling — you've been scrolling listings for weeks, everything either needs a full renovation or comes with an HOA telling you what color your mailbox can be. Then you find this one. 1091 Luau Street is a 3-bedroom, 2-bath pool home sitting on an oversized corner lot in North Port — and it's ready right now. No HOA. No flood insurance required. No big repairs waiting for you on the other side of closing. Step inside and the open floor plan immediately makes sense — ceramic tile throughout (easy to clean, looks great), the kitchen with new stainless steel appliances, and a layout that flows naturally from the living room right out to the screened lanai. That lanai backs up to lush green space, so your pool time actually feels private. Not "neighbors three feet away" private. Actually private. The large 10x14 shed is fitted with electricity and shelving, making this an ideal added bonus. The big stuff is already handled: roof, central A/C, septic serviced, and major systems that won't keep you up at night. At 1,242 heated square feet, it's the right size — enough room to breathe, easy enough to maintain. This is what low-maintenance Florida living actually looks like. No compromises, no gotchas. If you've been searching for a Florida pool home with no HOA and real value behind the price, this is worth a closer look.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,242
Sqft
0.39 ac
Lot size
2
Garage
2001
Year built
One
Levels
$258
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.
$2,375 /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
$2,375/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
+8.3%
$/sqft vs PORT CHARLOTTE SUB 09
$258 vs $204
Days on market
131 vs 52 typical
Where $258/sqft sits among the 19 homes for sale in PORT CHARLOTTE SUB 09
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 North Port Gardens
Get to know North Port. See the full North Port guide →
North Port Gardens — neighborhood snapshot
Population
4,415
Median age
40
Median income
$74,049
Median home value
$306,400
Avg household
3
Households w/ children
748
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The North Port market
$316K → $304K
North Port median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
3 of 19
PORT CHARLOTTE SUB 09 have cut their price
Median sold price, North Port, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 885% above the NORTH PORT 34286 median. See the full North Port market guide →
Paper trail
This home's history
Reality check
What actually sold near 1091 LUAU STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$238,000
1609 LOG LANE · same community
3 bd · 2 ba · 1,265 sqft · $188/sqft · 6 DOM
Sold · Jan ’26$248,000
2816 YACOLT AVENUE · same community
3 bd · 2 ba · 1,217 sqft · $204/sqft · 23 DOM
Sold · Jul ’26$269,000
3207 WORTHINGTON AVENUE · same community
3 bd · 2 ba · 1,212 sqft · $222/sqft · 114 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1091 LUAU STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1091 LUAU STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1091 LUAU STREET FAQs
What would the monthly payment be for 1091 LUAU STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,375/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 1091 LUAU STREET?+
The most recent tax bill on record (2025) was $2,272. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in North Port?+
At $320,000, this home is listed about 4% below the North Port median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1091 LUAU STREET?+
Cranberry Elementary School (elementary), Heron Creek Middle School (middle), North Port High School (high) — Sarasota County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$320,000 runs 885% above the NORTH PORT 34286 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
131 days on market against a North Port median of 52 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Cranberry Elementary School, Heron Creek Middle School, North Port High School — Cranberry Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $335,000, now $320,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Bill Bambrick. MLS #A4687958.
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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