14418 STEPHENS ROAD, PORT CHARLOTTE, FL, 33953
Active253 days on marketListed Dec 1, 2025MLS #C7517916
About this home
14418 STEPHENS ROAD
Possible seller financing - 25% down—terms negotiable!! Built in 2020 and offered fully furnished, this like-new home is located in the heart of El Jobean with no HOA, making it ideal for full-time living, a seasonal retreat, or a high-demand investment property. Situated on Florida’s desirable West Coast, the property is just minutes from world-class fishing, boating, Charlotte Harbor, the Intracoastal Waterway, and the Gulf of Mexico, with a public boat ramp less than five minutes away. The home features an attached deck perfect for morning coffee or evening relaxation, a backyard fire pit for entertaining, and a turnkey setup ready for immediate use. Conveniently located near beaches, restaurants, and shopping, this property offers flexible ownership options and strong rental potential, including VRBO. A rare opportunity for coastal living with seller financing available.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
990
Sqft
0.23 ac
Lot size
2020
Year built
One
Levels
$212
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.
$1,745 /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
$1,745/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.
$/sqft vs Port Charlotte actives
$212 vs $208
Days on market
253 vs 60 typical
Where $212/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 Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33953 — neighborhood snapshot
Population
7,018
Median age
62.9
Median income
$77,227
Median home value
$332,200
Avg household
2.36
Households w/ children
430
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)
190 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 855% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 14418 STEPHENS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$205,000
4244 NETTLE ROAD · same community
3 bd · 3 ba · 960 sqft · $214/sqft · 22 DOM
Sold · Jul ’26$240,000
4252 BARDOT ROAD · same community
2 bd · 2 ba · 896 sqft · $268/sqft · 270 DOM
Sold · Sep ’25$160,000
4218 BARDOT ROAD · same community
2 bd · 2 ba · 1,100 sqft · $145/sqft · 131 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 14418 STEPHENS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14418 STEPHENS ROAD — 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
14418 STEPHENS ROAD FAQs
What would the monthly payment be for 14418 STEPHENS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,745/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 14418 STEPHENS ROAD?+
The most recent tax bill on record (2024) was $3,071. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Charlotte?+
At $210,000, this home is listed about 37% 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 14418 STEPHENS ROAD?+
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
$210,000 runs 855% above the PORT CHARLOTTE 33953 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
253 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 $249,000, now $210,000 — a $39K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · Cheryl Vespoint. MLS #C7517916.
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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