CENTURY 21 Edge
$325,000$429,0002 bd2 ba1,577 sqft$206 /sqft$3,218 /mo all-in ↓

3191 VILLAGE LANE, PORT CHARLOTTE, FL, 33953

Active296 days on marketListed Oct 20, 2025MLS #C7516366

Reduced $104KWaterfrontSingle Family ResidenceLAKESHORE VILLAGE AT RIVERWOOD

About this home

3191 VILLAGE LANE

Exceptional NEW price with a $25,000 price improvement. Take advantage of this outstanding opportunity to own a beautifully maintained lakefront home in Riverwood, one of Charlotte County's most sought-after golf communities. Riverwood is also a proud Audubon Green Community, recognized for its natural beauty and abundant wildlife. Situated on a quiet cul-de-sac within this gated community, this meticulously maintained home features 2 bedrooms, 2 baths, and a den/study that can easily be converted into a third bedroom, along with an impressive array of amenities and upgrades.From the moment you arrive you are captivated by the property’s lush landscaping and serene natural surroundings. Upon entry you are awed by ceilings that reach almost 12 ft in height, and sliding glass doors and transom windows capturing an abundance of natural light that flows throughout the home. A perfect home for entertaining with its open floor plan, and enhanced by a covered lanai that overlooks the peaceful waters of the lake beyond. Subtle architectural enhancements have been thoughtfully incorporated into this floor plan, allowing you to display your favorite pieces of art. The kitchen is exceptionally spacious and offers an abundance of counter space. Stainless steel appliances, decorative lighting, and a glass block backsplash capture additional natural light while adding a unique design element to this area. The elevated bar is perfect for displaying an assortment of dishes for your guests or is a perfect place to serve drinks and appetizers to your friends as they watch you create your culinary surprises. The split bedroom suites offer a peaceful ambiance of their own, each with bay window seating areas that capture the floral fauna or lake front vistas. The primary bedroom suite features a walk-in closet and en suite bath that has been beautifully remodeled to feature a roman shower with exquisite large marble like tile walls. Adding to the exceptional value of the home are a host of upgrades that include a new tile roof (2020), new Lenox HVAC system with UV purifier (2021), impact windows (2021), roll down lanai storm screens (2022), tile flooring (2021), light fixtures and fans (2021), Cellular shades (2021), kitchen appliances (2021), washer and dryer (2022), exterior painting (2022), primary bath remodel (2024), leaf gutter protection (2024) and updated landscaping (2024), and more! Riverwood is a resort style community in one of the most naturally pristine areas you can only envision. Aside from its renown par 72 championship golf course (membership separate), you can enjoy a renovated community center hosting an abundance of social events, a community pool and spa, tennis, pickleball, croquet, fitness and recreation amenities, a playground, dog park and more. Many consider living in Florida to be that reward where life is to be enjoyed to its fullest, and this very special lake front home is that reward you’ve been seeking.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,577

Sqft

0.17 ac

Lot size

2

Garage

1996

Year built

One

Levels

$206

Per sqft

WaterfrontTrees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Porcelain Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewTrees/Woods · Water
FacesWest
ParkingDriveway · Garage Door Opener · Ground Level
ExteriorHurricane Shutters · Irrigation System · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

HOA fee$322/mo
Taxes (2024)$8,148/yr
PetsYes
CommunityAssociation Recreation - Owned · Clubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Playground · Pool · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$3,218 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property tax — 2024 actual bill$679
HOA fee — from the listing$322
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,375
Interest rate6.00%
Loan term

Estimated payment

$3,218/mo

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property taxes (actual bill)$679
HOA / condo fee$322
Est. insurance$160

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.

List $325K
$251KedgeAI estimate $310,607 · range $261K$330K$344K

vs edgeAI estimate

+4.6%

$/sqft vs Port Charlotte actives

$206 vs $209

Days on market

296 vs 60 typical

Where $206/sqft sits among the 400 Port Charlotte actives

118
110 · this home
66
36
28
42
$130–175$175–220$220–265$265–310$310–355$355+

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 Riverwood

Map of 3191 VILLAGE LANE

Get to know Port Charlotte. See the full Port Charlotte guide →

Riverwood — neighborhood snapshot

Population

1,436

Median age

69

Median income

$101,439

Median home value

$357,200

Avg household

2

Households w/ children

18%

For the school run

Charlotte County School District

MiddleMurdock Middle School★★★★★
HighPort Charlotte High School★★★★★
ElementaryLiberty Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Charlotte market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$289K$305K

Port Charlotte median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

192 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 1377% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →

Paper trail

This home's history

CurrentPrice reduced to $325,000 $104K
Oct 20, 2025Listed at $429,000 · 296 days on market since
1996Built · LAKESHORE VILLAGE AT RIVERWOOD

Reality check

What actually sold near 3191 VILLAGE LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4183 HERONS POINTE DRIVESold · Mar ’26

$282,000

4183 HERONS POINTE DRIVE

2 bd · 2 ba · 1,577 sqft · $179/sqft · 5 DOM

14311 RESERVE COURTSold · Mar ’26

$280,000

14311 RESERVE COURT

2 bd · 2 ba · 1,555 sqft · $180/sqft · 252 DOM

4297 NETTLE ROADSold · Feb ’26

$550,000

4297 NETTLE ROAD

2 bd · 2.5 ba · 1,612 sqft · $341/sqft · 368 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.

Erwin Vazquez

Your agent

Erwin Vazquez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3191 VILLAGE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3191 VILLAGE LANE — before you fall in love.

See it in person

Schedule a tour

Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3191 VILLAGE LANE FAQs

What would the monthly payment be for 3191 VILLAGE LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,218/mo — principal and interest, the actual property-tax bill, the $322/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 3191 VILLAGE LANE?+

The association fee works out to $322 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3191 VILLAGE LANE?+

The most recent tax bill on record (2024) was $8,148. 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 3191 VILLAGE LANE?+

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 $325,000, this home is listed about 2% 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 3191 VILLAGE LANE?+

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

Four things that matter here

01Positioned at the premium end

$325,000 runs 1377% above the PORT CHARLOTTE 33953 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

296 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $429,000, now $325,000 — a $104K cut. The full history is in the market section below.

Listing courtesy of RE/MAX HARBOR REALTY · Gary Cardillo. MLS #C7516366.

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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3191 VILLAGE LANE, PORT CHARLOTTE, FL — 2 Bed, 2 Bath — $325,000 | CENTURY 21 Edge