631 PALMETTO DRIVE NE, PORT CHARLOTTE, FL, 33952
Active2 days on marketListed Nov 5, 2026MLS #A4712128
About this home
631 PALMETTO DRIVE NE
THIS IS WHAT LIVING IN PARADISE IS ALL ABOUT! ~ POOL? CHECK! | GULF ACCESS? ABSOLUTELY! | PRIVATE DOCK? YOU BET!: Picture this: Morning coffee by the pool, fishing right in your backyard, and when the water calls, your boat is ready to go! With a composite dock and boat lift davits, you've got the setup to enjoy everything Southwest Florida waterfront living has to offer! This well-maintained, 3-bedroom, 2-bath Key West-inspired waterfront home checks all the boxes! Inside, you'll find tile flooring throughout, a desirable split-bedroom floor plan, and a functional kitchen featuring oak cabinetry, Corian countertops, a breakfast bar, and stainless steel appliances. Need room for your projects, hobbies, or extra toys? There's a large workshop with electric AND additional storage! Outside is where the Florida lifestyle really takes over! Enjoy your private pool, a fenced backyard, and a saltwater canal offering fantastic fishing right from your own backyard. And when you're ready to trade the backyard for the open water, your private composite dock and boat lift davits are waiting! Whether you're heading out for a day on the water, casting a line from your own dock, entertaining poolside, or simply soaking up the Florida sunshine, this home makes it easy to embrace the lifestyle you've been dreaming about. AND THE LOCATION? Right in the heart of Port Charlotte, just minutes from shopping, dining, and entertainment! THE BOAT. THE FISHING. THE DOCK. THE POOL. THE FLORIDA SUNSHINE. Seriously... WHAT'S NOT TO LOVE? This isn't just a home. It's your own little piece of waterfront paradise!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,116
Sqft
0.24 ac
Lot size
1958
Year built
One
Levels
$314
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.
$3,155 /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
$3,155/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
+22.1%
Days on market
2 vs 55 typical
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 33952 — neighborhood snapshot
Population
35,231
Median age
53.1
Median income
$61,382
Median home value
$237,700
Avg household
2.33
Households w/ children
3,246
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 94% above the PORT CHARLOTTE 33952 median. See the full Port Charlotte market guide →
Paper trail
This home's history
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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 631 PALMETTO DRIVE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 631 PALMETTO DRIVE NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
631 PALMETTO DRIVE NE FAQs
What would the monthly payment be for 631 PALMETTO DRIVE NE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,155/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 631 PALMETTO DRIVE NE?+
The most recent tax bill on record (2025) was $5,253. 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 631 PALMETTO DRIVE NE?+
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 $350,000, this home is listed about 6% 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 631 PALMETTO DRIVE NE?+
Peace River Elementary School (elementary), Port Charlotte High School (high), Murdock Middle School (middle) — 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
$350,000 runs 94% above the PORT CHARLOTTE 33952 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Port Charlotte market that averages 55 — if it fits, move quickly.
Listing courtesy of PREMIERE PLUS REALTY COMPANY · Kevin O'Reilly. MLS #A4712128.
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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