4054 RIVER BANK WAY, PORT CHARLOTTE, FL, 33980
Active12 days on marketListed Sep 28, 2026MLS #A4707652
About this home
4054 RIVER BANK WAY
Welcome to this beautifully appointed home located in the desirable River Club community of Punta Gorda. Offering over 2,400 square feet of living space, this residence features an open-concept design enhanced with upscale finishes and a functional layout ideal for both everyday living and entertaining. Step inside to find a spacious great room with abundant natural light, complemented by elegant interior details and upgraded finishes throughout. The gourmet kitchen showcases solid wood cabinetry, solid surface countertops, and ample prep space, seamlessly flowing into the main living and dining areas. The primary suite offers a private retreat with a walk-in closet and a well-appointed en-suite bath designed for comfort and convenience. A split-bedroom floor plan provides added privacy, along with a versatile den perfect for a home office or flex space. Step outside to your private outdoor living area featuring a fully equipped outdoor kitchen—ideal for entertaining and enjoying Florida living year-round. Situated on a premium corner lot, the property provides additional space and a sense of privacy. Additional highlights include a 3-car garage, indoor laundry room, and access to River Club’s gated amenities, including a community pool and fitness center. Conveniently located near shopping, dining, and major roadways, this home blends comfort, style, and location.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,466
Sqft
0.28 ac
Lot size
3
Garage
2014
Year built
One
Levels
$160
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.
$3,289 /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
$3,289/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
+28.6%
$/sqft vs RIVER CLUB
$160 vs $181
Days on market
12 vs 74 typical
Where $160/sqft sits among the 10 homes for sale in RIVER CLUB
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 33980 — neighborhood snapshot
Population
13,235
Median age
63.4
Median income
$61,871
Median home value
$221,200
Avg household
2.09
Households w/ children
956
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)
7 of 10
RIVER CLUB have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 168% above the PORT CHARLOTTE 33980 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 4054 RIVER BANK WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$405,000
4069 RIVER BANK WAY · same community
4 bd · 2.5 ba · 2,596 sqft · $156/sqft · 255 DOM
Sold · Dec ’25$270,000
24016 CANAL STREET · same community
4 bd · 2.5 ba · 2,612 sqft · $103/sqft · 139 DOM
Sold · Mar ’26$482,500
24407 RIVERFRONT DRIVE · same community
3 bd · 2 ba · 2,216 sqft · $218/sqft · 40 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 4054 RIVER BANK WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4054 RIVER BANK WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4054 RIVER BANK WAY FAQs
What would the monthly payment be for 4054 RIVER BANK WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,289/mo — principal and interest, the actual property-tax bill, the $328/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 4054 RIVER BANK WAY?+
The association fee works out to $328 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4054 RIVER BANK WAY?+
The most recent tax bill on record (2025) was $3,548. 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 4054 RIVER BANK WAY?+
The listing reports pets: Breed Restrictions, Number Limit, 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 $395,777, this home is listed about 20% above the Port Charlotte median of $328,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4054 RIVER BANK WAY?+
Peace River Elementary School (elementary), Port Charlotte Middle School (middle), Charlotte 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 COMPASS FLORIDA, LLC · Sunni Hammermeister. MLS #A4707652.
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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