206 S WATERWAY DRIVE NW, PORT CHARLOTTE, FL, 33952
Active85 days on marketListed Aug 14, 2026MLS #C7529496
About this home
206 S WATERWAY DRIVE NW
Virtually Staged. WATERFRONT UPDATED 4-BEDROOM, 2-BATH POOL HOME WITH GULF ACCESS, BOAT LIFT, HEATED SALTWATER POOL, 2019 HURRICANE WINDOWS, 2023 METAL ROOF AND OVERSIZED GARAGE in Port Charlotte! Located at 206 South Waterway Drive Port Charlotte, FL 33952 this concrete block home offers an outstanding boating location with only ONE BRIDGE within 5 MINUTES to open waters. Inside, the open floor plan features high ceilings in the living area, WOOD GRAIN - TILE flooring throughout, pocket sliding doors, ceiling fans, sun-blocking blinds and a front entry with coat closet. The kitchen offers wood cabinetry with soft close, granite countertops, stainless steel Maytag appliances, FARM sink, double oven, garbage disposal, Reverse osmosis system, pantry and an eat-in kitchen area with pool and canal view. The 4-bedroom, 2-bath split-bedroom floor plan provides privacy for the primary suite, which includes separate his-and-hers walk-in closets, mini split for comfort, a walk-in shower, soaking tub and ADA-height toilet. The guest bathroom features double sinks. An interior laundry room with sink adds convenience, while surround sound is available in select bedrooms and the family room includes a wall mount for a television. Step outside and enjoy the Florida lifestyle with a heated saltwater pool, 2024 pool pump, 2024 pool filter assembly and filter, pool fence and 20' x 20' no-see-um screened 2025 pool cage. The waterfront backyard includes a 10,000lbs boat lift. 2001 Flair 16'10" boat with 60 HP Yamaha motor included with sale of the home or will be removed. Florida-ready features include hurricane windows, a metal roof, rain gutters, downspouts and a Ring security system, covering windows and doors. City water and sewer provide convenience, while a private well with an extra motor offers an additional water source. A water softener is also included. The oversized garage provides excellent storage and functionality with a sink and garage door opener, garage door screen, and drop-down stairs to attic storage. The extended driveway offers additional parking for vehicles, a boat or recreational equipment. Located close to shopping, parks, dining and everyday conveniences, 206 South Waterway Drive delivers the combination many Port Charlotte waterfront buyers are seeking: 4 bedrooms, 2 baths, Gulf access, private boat lift, heated saltwater pool, one bridge to open water, hurricane protection, metal roof, oversized garage and city water and sewer. A strong choice for anyone looking to enjoy boating, pool days and the Southwest Florida lifestyle from home.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,479
Sqft
0.25 ac
Lot size
2
Garage
2006
Year built
One
Levels
$333
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.
$6,012 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,012/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+26.1%
$/sqft vs PORT CHARLOTTE SEC 005
$333 vs $182
Days on market
85 vs 55 typical
Where $333/sqft sits among the 12 homes for sale in PORT CHARLOTTE SEC 005
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
35,231
Median age
53.1
Median income
$61,382
Median home value
$237,700
Avg household
2.33
Households w/ children
3,246
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
$290K → $290K
Port Charlotte median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
9 of 12
PORT CHARLOTTE SEC 005 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 358% 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 206 S WATERWAY DRIVE NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$450,000
3517 PORT CHARLOTTE BOULEVARD · same community
3 bd · 3 ba · 2,354 sqft · $191/sqft · 118 DOM
Sold · Jun ’26$250,000
3276 PINETREE STREET · same community
3 bd · 2 ba · 1,750 sqft · $143/sqft · 110 DOM
Sold · Nov ’25$180,000
3125 PORT CHARLOTTE BOULEVARD · same community
3 bd · 2 ba · 1,728 sqft · $104/sqft · 66 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 206 S WATERWAY DRIVE NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 206 S WATERWAY DRIVE NW — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
206 S WATERWAY DRIVE NW FAQs
What would the monthly payment be for 206 S WATERWAY DRIVE NW?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,012/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 206 S WATERWAY DRIVE NW?+
The most recent tax bill on record (2025) was $4,210. 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 206 S WATERWAY DRIVE NW?+
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 $825,000, this home is listed about 151% above the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.
Which schools are assigned to 206 S WATERWAY DRIVE NW?+
Peace River 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
Three things that matter here
01Positioned at the premium end
$825,000 runs 358% above the PORT CHARLOTTE 33952 median — but at 2,479 sqft it's also 51% larger than the typical Port Charlotte listing.
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 $900,000, now $825,000 — a $75K 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 #C7529496.
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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