19310 WATER OAK DRIVE UNIT 103, PORT CHARLOTTE, FL, 33948
Active244 days on marketListed Dec 16, 2025MLS #C7518825
About this home
19310 WATER OAK DRIVE UNIT 103
Enjoy easy Florida living in this well-kept 2-bedroom, 2-bath condo in Heritage Oak Park, known for reasonable HOA fees and great community amenities. Inside, the home features all tile flooring, an adorable kitchen with Corian counters and added cabinetry at the bar with a wine rack. The primary suite offers dual sinks, a walk-in closet, a tiled shower, and lanai access. The guest bath includes a tile shower and tub. A/C was installed in 2020. Relax on the tiled, screened lanai with a wooded view, and enjoy a friendly community in the heart of Port Charlotte. Additional highlights include a covered carport, private storage, guest parking, and in-unit laundry. Heritage Oak Park offers resort-style amenities, including a heated pool, clubhouse, fitness center, pickleball, tennis, walking trails, and a fishing pond in a golf-cart-friendly setting.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,227
Sqft
0.03 ac
Lot size
2001
Year built
One
Levels
$174
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 and the real association fee — not generic estimates.
$2,089 /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
$2,089/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
+13.2%
$/sqft vs Port Charlotte actives
$174 vs $208
Days on market
244 vs 59 typical
Where $174/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 33948 — neighborhood snapshot
Population
18,732
Median age
59.4
Median income
$60,788
Median home value
$279,500
Avg household
2.32
Households w/ children
1,261
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)
200 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 610% 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 19310 WATER OAK DRIVE UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$163,000
18348 YALE AVENUE
2 bd · 2 ba · 1,225 sqft · $133/sqft · 81 DOM
Sold · Mar ’26$200,000
2136 BARKSDALE STREET
3 bd · 2 ba · 1,230 sqft · $163/sqft · 4 DOM
Sold · May ’26$185,000
948 TROPICAL AVENUE NW
2 bd · 1.5 ba · 1,242 sqft · $149/sqft · 168 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 19310 WATER OAK DRIVE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19310 WATER OAK DRIVE UNIT 103 — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19310 WATER OAK DRIVE UNIT 103 FAQs
What would the monthly payment be for 19310 WATER OAK DRIVE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,089/mo — principal and interest, the actual property-tax bill, the $308/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 19310 WATER OAK DRIVE UNIT 103?+
The association fee works out to $308 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19310 WATER OAK DRIVE UNIT 103?+
The most recent tax bill on record (2025) was $3,279. 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 19310 WATER OAK DRIVE UNIT 103?+
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 $213,000, this home is listed about 35% below the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 19310 WATER OAK DRIVE UNIT 103?+
Liberty Elementary School (elementary), Port Charlotte High School (high), Murdock Middle School (middle) — 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
$213,000 runs 610% above the PORT CHARLOTTE 33948 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
244 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $215,000, now $213,000 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOELKERS VENICE DOWNTOWN · Annette Worth. MLS #C7518825.
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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