4298 LIBRARY STREET, PORT CHARLOTTE, FL, 33948
Active261 days on marketListed Nov 25, 2025MLS #C7518215
About this home
4298 LIBRARY STREET
Build your DREAM HOME with this OVERSIZED WATER FRONT lot located in Port Charlotte. NO HOA FEES! Offering peaceful views, ample space, and direct access to the water, this property provides the ideal setting for a custom residence. Need a builder? Let us introduce you to local reputable builders. Conveniently located minutes to the Edgewater Public Boat Ramp, William R. Gaines Recreation Park. Also just a short drive to 776, US-41, and Port Charlotte Beach Park. Port Charlotte Beach Park offers sand, sheltered waters, and spectacular sunsets year-round. Amenities include a boardwalk with a fishing pier, boat ramp, canoe/kayak launch, horseshoe pits, bocce courts, basketball courts, tennis courts, volleyball court, playground area, small shelters with picnic tables, two large pavilions, restrooms, heated swimming pool, and a recreation center. Also just a short car ride to the Gulf Beaches of Boca Grande, Englewood, or Manasota Key to name a few where you will find world-class fishing and white sand between your toes.
Facts & features
The home at a glance
0.25 ac
Lot size
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.
$1,071 /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
$1,071/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.
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 317% 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 4298 LIBRARY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$175,000
4314 JOSEPH STREET · same community
2 bd · 2 ba · 924 sqft · $189/sqft · 0 DOM
Sold · Oct ’25$190,000
17333 GULFSPRAY CIRCLE · same community
2 bd · 2 ba · 1,172 sqft · $162/sqft · 51 DOM
Sold · Jan ’26$214,000
4288 JOSEPH STREET · same community
2 bd · 2 ba · 1,330 sqft · $161/sqft · 5 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4298 LIBRARY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4298 LIBRARY STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4298 LIBRARY STREET FAQs
What would the monthly payment be for 4298 LIBRARY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,071/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 4298 LIBRARY STREET?+
The most recent tax bill on record (2024) was $1,435. 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 4298 LIBRARY STREET?+
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 $125,000, this home is listed about 62% 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 4298 LIBRARY STREET?+
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
Three things that matter here
01Positioned at the premium end
$125,000 runs 317% above the PORT CHARLOTTE 33948 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
261 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · Matthew Patterson. MLS #C7518215.
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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