23411 COLLINA WAY UNIT 103, PORT CHARLOTTE, FL, 33980
Active3 days on marketListed Nov 4, 2026MLS #A4712044
About this home
23411 COLLINA WAY UNIT 103
BRAND NEW, NEVER OCCUPIED WATERFRONT CONDO — NO FLOOD INSURANCE REQUIRED! Discover exceptional value and easy Florida living in this beautiful, never-lived-in condominium at Bella Via, conveniently located just 10 minutes from historic downtown Punta Gorda! This spacious, thoughtfully designed residence offers 2 bedrooms, 2 full bathrooms, and a versatile den or home office, providing the flexibility of additional living space without the expense of a larger home. The convenient single-level layout is ideal for year-round living, a seasonal retreat, or a low-maintenance Florida getaway. One of the property's most attractive features is its affordability. Flood insurance is not required, and the remarkably reasonable $350 monthly condominium fee includes building insurance and water, helping keep monthly ownership expenses predictable and manageable. Enjoy the peaceful waterfront setting and the benefits of a brand-new residence that has never been occupied. With two parking spaces and a convenient location near shopping, dining, boating, and recreational opportunities, this property combines comfort, convenience, and exceptional value. Just minutes away, downtown Punta Gorda offers waterfront restaurants, boutique shopping, Fishermen's Village, beautiful harborfront parks, and the charm of one of Southwest Florida's most desirable coastal communities. Easy access to major roadways puts everything the region has to offer within reach. Why pay more for an older condominium with higher monthly fees? Here is an opportunity to enjoy a never-occupied residence, waterfront surroundings, and affordable condominium living, all just minutes from downtown Punta Gorda. New construction feel. Never occupied. No required flood insurance. $350 monthly fees including building insurance and water. Exceptional location.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,618
Sqft
0 ac
Lot size
2024
Year built
One
Levels
$148
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.
$2,537 /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
$2,537/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
+20.2%
$/sqft vs Port Charlotte actives
$148 vs $200
Days on market
3 vs 55 typical
Where $148/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 Bella Via
Get to know Port Charlotte. See the full Port Charlotte guide →
Bella Via — neighborhood snapshot
Population
585
Median age
51
Median income
$76,346
Median home value
$320,000
Avg household
3
Households w/ children
40%
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)
169 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 61% 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 23411 COLLINA WAY UNIT 103
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$185,000
23040 CENTRAL AVENUE
3 bd · 2 ba · 1,616 sqft · $114/sqft · 86 DOM
Sold · Jun ’26$830,000
24257 HARBORVIEW ROAD
2 bd · 2 ba · 1,625 sqft · $511/sqft · 88 DOM
Sold · Jun ’26$220,000
23343 COLLINA WAY UNIT 204
2 bd · 2 ba · 1,633 sqft · $135/sqft · 31 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 23411 COLLINA WAY UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23411 COLLINA WAY UNIT 103 — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
23411 COLLINA WAY UNIT 103 FAQs
What would the monthly payment be for 23411 COLLINA WAY UNIT 103?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,537/mo — principal and interest, the actual property-tax bill, the $350/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 23411 COLLINA WAY UNIT 103?+
The association fee works out to $350 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 23411 COLLINA WAY UNIT 103?+
The most recent tax bill on record (2025) was $3,286. 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 23411 COLLINA WAY UNIT 103?+
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 $239,900, this home is listed about 27% below the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.
Which schools are assigned to 23411 COLLINA WAY UNIT 103?+
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 SAVVY AVENUE, LLC · Moe Mossa. MLS #A4712044.
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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