16807 CAYO KEY DRIVE, PORT CHARLOTTE, FL, 33953
Active44 days on marketListed Sep 24, 2026MLS #A4707167
About this home
16807 CAYO KEY DRIVE
Water Views, Modern Finishes & Move-In Ready in The Hammocks at West Port. Welcome to easy Florida living in this beautifully finished 4 bedroom, 3 bath home including over 40k in upgrades. With 2,151 square feet of thoughtfully designed living space and a peaceful water view, this home offers the perfect combination of style, comfort, and functionality. Step inside to an inviting open-concept layout filled with natural light and elevated by upgraded flooring, tray ceilings, and crown molding. The spacious kitchen is designed to be the heart of the home, featuring an oversized island with plenty of room for everyday meals, entertaining, and gatherings. The primary suite offers a private retreat with a well-appointed ensuite bath and generous walk-in closet. Three additional bedrooms provide flexibility for family, guests, a home office, or whatever your lifestyle requires. Beyond the home, The Hammocks at West Port puts you close to the amenities and conveniences that make Southwest Florida living so appealing. Nearby Centennial Park offers a wide range of recreational options, including a pool, sports fields, trails, pickleball courts, fitness facilities, and an 18-hole disc golf course. You'll also enjoy convenient access to schools, shopping, dining, and everyday necessities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,161
Sqft
0.16 ac
Lot size
2
Garage
2023
Year built
One
Levels
$168
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 and the real association fee — not generic estimates.
$3,593 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,593/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+0.9%
$/sqft vs Port Charlotte actives
$168 vs $202
Days on market
44 vs 55 typical
Where $168/sqft sits among the 400 Port Charlotte actives
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 Murdock Village
Get to know Port Charlotte. See the full Port Charlotte guide →
Murdock Village — neighborhood snapshot
Population
641
Median age
63
Median income
$32,672
Median home value
$13,193
Avg household
2
Households w/ children
75%
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
$290K → $290K
Port Charlotte median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
161 of 400
Port Charlotte actives have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1518% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 16807 CAYO KEY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$449,500
16837 CANOPY GARDEN DRIVE · same community
3 bd · 2 ba · 1,864 sqft · $241/sqft · 16 DOM
Sold · Jul ’26$235,000
1370 SUNSET PRESERVE WAY · same community
3 bd · 2 ba · 1,710 sqft · $137/sqft · 90 DOM
Sold · Mar ’26$315,000
16818 CANOPY GARDEN DRIVE · same community
3 bd · 2 ba · 1,702 sqft · $185/sqft · 143 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
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16807 CAYO KEY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16807 CAYO KEY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Derrion's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16807 CAYO KEY DRIVE FAQs
What would the monthly payment be for 16807 CAYO KEY DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,593/mo — principal and interest, the actual property-tax bill, the $125/mo association fee 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.
How much are the HOA fees at 16807 CAYO KEY DRIVE?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 16807 CAYO KEY DRIVE?+
The most recent tax bill on record (2025) was $7,778. 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 16807 CAYO KEY DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $364,000, this home is listed about 11% above the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.
Which schools are assigned to 16807 CAYO KEY DRIVE?+
Murdock Middle School (middle), Port Charlotte High School (high), Liberty Elementary School (elementary) — 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
$364,000 runs 1518% above the PORT CHARLOTTE 33953 median — but at 2,161 sqft it's also 31% larger than the typical Port Charlotte listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $389,000, now $364,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED SHORE LLC · Cristina Bonaccorso. MLS #A4707167.
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 16807 CAYO KEY DRIVE 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 Derrion to ping you on any price or status change →