4394 LIBRARY STREET, PORT CHARLOTTE, FL, 33948
Active64 days on marketListed Jun 8, 2026MLS #A4696375
About this home
4394 LIBRARY STREET
One or more photo(s) has been virtually staged. Welcome to this fully updated, beautifully maintained waterfront home in desirable Port Charlotte, offering a direct boating access to Charlotte Harbor and the Gulf . BOAT DOCK has updated electrical and FISHING TABLE, ready for your next adventure on the water. Situated on a canal with approximately a 15–20 minute boat ride to Charlotte Harbor, this property is ideal for boating, fishing, and enjoying Southwest Florida’s waterfront lifestyle. All big-ticket items have been taken care of, for your peace of mind. Recent improvements provide peace of mind and modern appeal, including a NEW ROOF (2020), NEW A/C SYSTEM (2020), NEW HURRICANE RATED WINDOWS AND DOORS (2018) VINYL AND METAL FENCING (2021), PATIO SLAB (2022), DISHWASHER (2025), NEW KITCHEN WITH SOFT CLOSE CABINETS, GRANITE COUNTER TOPS backsplash (2021) SHADE GAZEBO, and refreshed garden beds. A WATER FILTRATION system. Designed with comfort and convenience in mind, the home features wheelchair accessibility enhancements including a garage ramp and an oversized walk-in shower. Whether you're seeking a year-round residence, seasonal retreat, or waterfront investment, this move-in-ready home offers an exceptional opportunity to enjoy all that Port Charlotte has to offer. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,248
Sqft
0.23 ac
Lot size
1
Garage
1982
Year built
One
Levels
$265
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.
$2,590 /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
$2,590/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
+24.7%
$/sqft vs PORT CHARLOTTE SEC 044
$265 vs $217
Days on market
64 vs 60 typical
Where $265/sqft sits among the 7 homes for sale in PORT CHARLOTTE SEC 044
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 O'hara
Get to know Port Charlotte. See the full Port Charlotte guide →
O'hara — neighborhood snapshot
Population
5,202
Median age
58
Median income
$75,856
Median home value
$383,125
Avg household
2
Households w/ children
392
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)
3 of 7
PORT CHARLOTTE SEC 044 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1003% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 4394 LIBRARY 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$190,000
17333 GULFSPRAY CIRCLE · same community
2 bd · 2 ba · 1,172 sqft · $162/sqft · 51 DOM
Sold · Jan ’26$214,000
4288 JOSEPH STREET · same community
2 bd · 2 ba · 1,330 sqft · $161/sqft · 5 DOM
Sold · Mar ’26$303,900
17500 ROBINSON AVENUE · same community
3 bd · 2 ba · 1,485 sqft · $205/sqft · 13 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4394 LIBRARY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4394 LIBRARY STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4394 LIBRARY STREET FAQs
What would the monthly payment be for 4394 LIBRARY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,590/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 4394 LIBRARY STREET?+
The most recent tax bill on record (2025) was $4,017. 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 4394 LIBRARY STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 $331,000, this home is priced right at the Port Charlotte median.
Which schools are assigned to 4394 LIBRARY STREET?+
Murdock Middle School (middle), Meadow Park Elementary School (elementary), 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
$331,000 runs 1003% above the PORT CHARLOTTE 33948 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $335,000, now $331,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED SHORE LLC · Valentina Kvamme. MLS #A4696375.
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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