12203 RICHARDS AVENUE, PORT CHARLOTTE, FL, 33981
Active35 days on marketListed Jul 9, 2026MLS #A4699516
About this home
12203 RICHARDS AVENUE
This is the chance to build your dream home whether it be the opportunity for a working family or a retirement destination. This gorgeous quiet area is located near the Myakka River in Port Charlotte. The area features restaurants, shopping and beaches with access to the Myakka River and into Charlotte Harbor just minutes away. With nearby golf courses, fishing, Myakka River State Park and the cities of Venice, Englewood and Punta Gorda also within a short distance and Sarasota to the north. If this is the Florida lifestyle you have always wanted, this is the property with the freedom to plan your build.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$385 /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
$385/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.
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 12203 RICHARDS 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$369,500
12430 MITCHELL TERRACE · same community
2 bd · 2 ba · 1,120 sqft · $330/sqft · 26 DOM
Sold · Jun ’26$365,000
2532 DIXON TERRACE · same community
2 bd · 2 ba · 1,128 sqft · $324/sqft · 4 DOM
Sold · Mar ’26$150,000
2549 KLASS TERRACE · same community
2 bd · 2 ba · 1,227 sqft · $122/sqft · 5 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12203 RICHARDS AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12203 RICHARDS AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12203 RICHARDS AVENUE FAQs
What would the monthly payment be for 12203 RICHARDS AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $385/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 12203 RICHARDS AVENUE?+
The most recent tax bill on record (2025) was $500. 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 12203 RICHARDS 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 $29,000, this home is listed about 91% 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 12203 RICHARDS 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.
Keep looking
Similar homes nearby
Listing courtesy of REOZOM · Justin Tibble. MLS #A4699516.
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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