203 WATERWAY CIRCLE NE, PORT CHARLOTTE, FL, 33952
Active106 days on marketListed Apr 29, 2026MLS #C7525395
About this home
203 WATERWAY CIRCLE NE
WATERFRONT living meets modern style at 203 Waterway Circle NE Port Charlotte, FL 33952. This fully UPDATED 3-bedroom, 2-bath residence features an open floor plan, split-bedroom layout, MODERN fixtures, upgraded lighting, and elegant white TILE flooring throughout. Positioned on a CANAL, this property offers desirable Florida waterfront appeal with easy access to BOATING lifestyle opportunities. Don't miss out on this MOVE-IN READY home with strong rental potential, tropical landscaping, and mature mango trees for added privacy and charm. Ideal for seasonal living, investment opportunities, or year-round Florida waterfront lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,435
Sqft
0.33 ac
Lot size
1
Garage
1956
Year built
One
Levels
$188
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.
$2,223 /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
$2,223/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
+14.7%
$/sqft vs Port Charlotte actives
$188 vs $208
Days on market
106 vs 60 typical
Where $188/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 33952 — neighborhood snapshot
Population
33,991
Median age
53.7
Median income
$56,117
Median home value
$224,900
Avg household
2.3
Households w/ children
2,952
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)
196 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 86% above the PORT CHARLOTTE 33952 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 203 WATERWAY CIRCLE NE
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$153,000
205 NE MARTIN DRIVE NE · same community
3 bd · 2 ba · 1,468 sqft · $104/sqft · 238 DOM
Sold · Oct ’25$195,000
240 DALTON BOULEVARD · same community
3 bd · 2 ba · 1,513 sqft · $129/sqft · 16 DOM
Sold · Mar ’26$189,100
300 DALTON BLVD BOULEVARD · same community
4 bd · 2 ba · 1,330 sqft · $142/sqft · 194 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 203 WATERWAY CIRCLE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 203 WATERWAY CIRCLE NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
203 WATERWAY CIRCLE NE FAQs
What would the monthly payment be for 203 WATERWAY CIRCLE NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,223/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 203 WATERWAY CIRCLE NE?+
The most recent tax bill on record (2025) was $4,253. 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 $270,000, this home is listed about 18% 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 203 WATERWAY CIRCLE NE?+
Neil Armstrong Elementary School (elementary), Port Charlotte Middle School (middle), 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
$270,000 runs 86% above the PORT CHARLOTTE 33952 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $275,000, now $270,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Christine Chronister. MLS #C7525395.
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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