12145 SURREY AVE, PORT CHARLOTTE, FL, 33981
Active183 days on marketListed Feb 9, 2026MLS #C7521685
About this home
12145 SURREY AVE
OVERSIZED CORNER LOT, NO FLOOD zone with no HOA or deed restrictions. A rare opportunity ideal for a builder or for creating a custom home tailored to your vision. Prime Southwest Florida location close to beaches, boating, golf, biking, and outdoor recreation. Convenient access to Englewood, Port Charlotte, Punta Gorda, & North Port.
Facts & features
The home at a glance
0.26 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.
$392 /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
$392/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 Englewood East
Get to know Port Charlotte. See the full Port Charlotte guide →
Englewood East — neighborhood snapshot
Population
12,116
Median age
58
Median income
$62,950
Median home value
$270,898
Avg household
2
Households w/ children
673
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 27% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 12145 SURREY AVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$276,705
7153 RISON STREET · same community
3 bd · 2 ba · 1,240 sqft · $223/sqft · 69 DOM
Sold · Nov ’25$249,000
7295 DONAHUE STREET · same community
3 bd · 2 ba · 1,285 sqft · $194/sqft · 151 DOM
Sold · Dec ’25$265,000
7425 COBURN STREET · same community
3 bd · 2 ba · 1,355 sqft · $196/sqft · 16 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 12145 SURREY AVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12145 SURREY AVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12145 SURREY AVE FAQs
What would the monthly payment be for 12145 SURREY AVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $392/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 12145 SURREY AVE?+
The most recent tax bill on record (2025) was $577. 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 $29,000, this home is listed about 91% 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 12145 SURREY AVE?+
Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Kris Nichols. MLS #C7521685.
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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