14438 STEPHENS ROAD, PORT CHARLOTTE, FL, 33953
Active252 days on marketListed Dec 1, 2025MLS #C7518402
About this home
14438 STEPHENS ROAD
Builder-ready vacant lot at the mouth of the Myakka River Bridge, offering direct access to Charlotte Harbor and the Gulf of America with no HOA! Lot is 75x100. Public water and public sewer!!! This location is a famed haven for anglers, providing some of the best fishing in the Gulf for snook, tarpon, and redfish. The surrounding community of Historic El Jobean blends a peaceful, coastal lifestyle with a rich past. It was originally named after developer Joel Bean and served as a fishing and winter resort, even hosting Tarzan movie crews in the 1930s. Conveniences are just minutes away, including nearby Port Charlotte Beach Park and the Port Charlotte Town Center for shopping and dining. Seize this chance to build your custom home where history meets exceptional boating and fishing. This listing includes one or more virtually staged or enhanced images.
Facts & features
The home at a glance
0.17 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.
$479 /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
$479/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 El Jobean
Get to know Port Charlotte. See the full Port Charlotte guide →
El Jobean — neighborhood snapshot
Population
1,901
Median age
70
Median income
$84,199
Median home value
$300,865
Avg household
2
Households w/ children
28%
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 59% 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 14438 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 · Mar ’26$53,000
4123 HOLLIS AVENUE · same community
1 bd · 1 ba · 552 sqft · $96/sqft · 145 DOM
Sold · Aug ’25$65,000
4315 COMMERCIAL STREET · same community
2 bd · 1 ba · 660 sqft · $98/sqft · 18 DOM
Sold · Feb ’26$117,000
3702 DUNREATH ROAD · same community
2 bd · 2 ba · 728 sqft · $161/sqft · 38 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 14438 STEPHENS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14438 STEPHENS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
14438 STEPHENS ROAD FAQs
What would the monthly payment be for 14438 STEPHENS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $479/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 14438 STEPHENS ROAD?+
The most recent tax bill on record (2024) was $1,173. 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 $35,000, this home is listed about 89% 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 14438 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
Three things that matter here
01Positioned at the premium end
$35,000 runs 59% above the PORT CHARLOTTE 33953 median.
02Time on market is leverage
252 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $44,900, now $35,000 — a $10K 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 #C7518402.
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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