5120 CHAVES CIRCLE, PORT CHARLOTTE, FL, 33948
Active279 days on marketListed Nov 5, 2025MLS #C7517316
About this home
5120 CHAVES CIRCLE
Short Sale. Discover this charming home located on a pond in Port Charlotte featuring two bedrooms and one bath. The bright, open-concept layout includes a lovely enclosed Florida room with sliders leading to a spacious deck on a private back yard, perfect for enjoying your morning coffee or unwinding with an evening cocktail in this peaceful neighborhood. Situated on an oversized, fenced lot, this home offers an indoor laundry room, updated kitchen including granite countertops, stainless steel appliances, and cabinets. There are ceiling fans and the water heater, AC and roof were new in 2017. Electric panel upgrades in 2022. This well-maintained home is move-in ready and waiting for you to enjoy lakeside living at its best.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,116
Sqft
0.28 ac
Lot size
1
Garage
1983
Year built
One
Levels
$228
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.
$2,100 /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
$2,100/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
+26.9%
$/sqft vs Port Charlotte actives
$228 vs $208
Days on market
279 vs 60 typical
Where $228/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 O'hara
Get to know Port Charlotte. See the full Port Charlotte guide →
O'hara — neighborhood snapshot
Population
5,202
Median age
58
Median income
$75,856
Median home value
$383,125
Avg household
2
Households w/ children
392
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)
189 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 750% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 5120 CHAVES CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$192,000
18619 OHARA DRIVE · same community
2 bd · 1 ba · 900 sqft · $213/sqft · 116 DOM
Sold · Dec ’25$183,980
5121 CHAVES CIRCLE · same community
3 bd · 2 ba · 1,336 sqft · $138/sqft · 7 DOM
Sold · Aug ’25$175,000
4485 HERDER STREET
3 bd · 2 ba · 1,157 sqft · $151/sqft · 144 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 5120 CHAVES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5120 CHAVES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5120 CHAVES CIRCLE FAQs
What would the monthly payment be for 5120 CHAVES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,100/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 5120 CHAVES CIRCLE?+
The most recent tax bill on record (2024) was $3,912. 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 5120 CHAVES CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 $255,000, this home is listed about 23% below the Port Charlotte median of $330,740. The market section on this page shows how the area is trending.
Which schools are assigned to 5120 CHAVES CIRCLE?+
Murdock Middle School (middle), Meadow Park Elementary School (elementary), Port Charlotte High School (high) — 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
$255,000 runs 750% above the PORT CHARLOTTE 33948 median.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
279 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 $265,000, now $255,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Amy Mendez. MLS #C7517316.
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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