CENTURY 21 Edge
$369,0003 bd2 ba1,617 sqft$228 /sqft$3,266 /mo all-in ↓

3358 OSPREY LANE, PORT CHARLOTTE, FL, 33953

Active9 days on marketListed Sep 11, 2026MLS #C7530594

Single Family ResidenceOSPREY LANDING

About this home

3358 OSPREY LANE

Virtually Staged. Welcome to 3358 Osprey Lane, a beautifully remodeled 3-bedroom, 2-bath, 2-car garage home in the sought-after Riverwood Community of Port Charlotte. Offering approximately 1,617 square feet of living space, this home is tucked along a tranquil backyard pond, creating a peaceful setting to enjoy Florida living. Step inside to a bright, welcoming interior where soaring ceilings, an open living area and abundant natural light give the home an airy, spacious feel. The extensive 2025 renovation brings a fresh, cohesive look throughout, including luxury vinyl plank flooring, contemporary baseboards, fresh interior paint, recessed lighting, cordless blinds, designer black ceiling fans in the living room and all three bedrooms. The beautifully redesigned kitchen is a standout, featuring Petit Oak solid-wood cabinetry with soft-close doors and drawers, 42-inch upper cabinets, a Lazy Susan corner cabinet, sleek black hardware, quartz countertops and a stylish glass backsplash. A counter-level breakfast bar provides plenty of room for casual dining and entertaining, while stainless-steel appliances, including a slide-in range, a deep stainless-steel sink with black integrated-sprayer faucet and garbage disposal complete this thoughtfully updated space. The spacious primary suite overlooks the pond and offers direct access to the lanai, making it easy to start or end the day enjoying the peaceful water view. The suite provides both a built-in closet and a walk-in closet, while the remodeled en-suite bath features a dual-sink Petit Oak vanity with quartz countertop, coordinating black hardware, a frameless glass walk-in shower and a separate soaking tub. Two generously sized guest bedrooms offer flexibility for family, visitors, a home office or hobby space, and the guest bath continues the home's updated style with a matching Petit Oak vanity and quartz countertop. Enjoy the Florida lifestyle from the screened lanai overlooking the backyard pond, updated with an epoxy-finished floor and designer ceiling fan with integrated light. Additional 2025 improvements include a new roof, fresh exterior paint, an epoxy-finished garage floor, new garage coach lights and an updated front-door lockset. Living in Riverwood means enjoying a gated, resort-style community known for its tree-lined surroundings and extensive recreation. Amenities include a resort-style pool and lap pool, fitness center, pickleball courts, dog parks, activity center, six Har-Tru tennis courts (clay) and croquet, with optional access to the Riverwood Golf Club (additional fee) and Beach Club on Manasota Key (subject to availability and additional fees). The community is also conveniently located for enjoying Southwest Florida's boating, world-class fishing, beautiful beaches, shopping, dining and cultural attractions.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,617

Sqft

0.14 ac

Lot size

2

Garage

2001

Year built

One

Levels

$228

Per sqft

Water viewPets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters
LaundryLaundry Room
CoolingCentral Air · Humidity Control
HeatingCentral

Outside & construction

RoofConcrete · Tile
ConstructionBlock
FoundationSlab
ViewWater
FacesNortheast
ParkingDriveway
ExteriorIrrigation System

Community & fees

HOA fee$170/mo
Taxes (2025)$7,209/yr
PetsYes
CommunityAssociation Recreation - Owned · Buyer Approval Required · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Sewer Connected · Sprinkler Recycled · Underground Utilities
WaterPublic

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.

$3,266 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,172
FHA mortgage insurance (est.)$163
Property tax — 2025 actual bill$601
HOA fee — from the listing$170
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,915Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,915
Interest rate6.00%
Loan term

Estimated payment

$3,266/mo

Principal & interest$2,172
FHA mortgage insurance (est.)$163
Property taxes (actual bill)$601
HOA / condo fee$170
Est. insurance$160

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.

List $369K
$268KedgeAI estimate $300,380 · range $280K$335K$384K

vs edgeAI estimate

+22.8%

$/sqft vs Port Charlotte actives

$228 vs $211

Days on market

9 vs 59 typical

Where $228/sqft sits among the 400 Port Charlotte actives

103
127
71 · this home
34
29
36
$130–177$177–223$223–270$270–316$316–363$363+

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 Riverwood

Get to know Port Charlotte. See the full Port Charlotte guide →

Riverwood — neighborhood snapshot

Population

1,436

Median age

69

Median income

$101,439

Median home value

$357,200

Avg household

2

Households w/ children

18%

For the school run

Charlotte County School District

MiddleMurdock Middle School★★★★★
HighPort Charlotte High School★★★★★
ElementaryLiberty Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Charlotte market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$289K$305K

Port Charlotte median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

223 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 1577% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →

Paper trail

This home's history

Sep 11, 2026Listed at $369,000 · 9 days on market since
2001Built · OSPREY LANDING

Reality check

What actually sold near 3358 OSPREY LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5068 INSHORE LANDING DRIVESold · Sep ’25

$340,000

5068 INSHORE LANDING DRIVE · same community

3 bd · 2 ba · 1,696 sqft · $200/sqft · 185 DOM

5048 INSHORE LANDING DRIVESold · Mar ’26

$370,000

5048 INSHORE LANDING DRIVE · same community

4 bd · 2 ba · 2,043 sqft · $181/sqft · 78 DOM

11513 11TH AVENUE ESold · Nov ’25

$535,000

11513 11TH AVENUE E · same community

4 bd · 3 ba · 2,506 sqft · $213/sqft · 81 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.

Moe Thouk Oo

Your agent

Moe Thouk Oo

Licensed Realtor® · CENTURY 21 Edge

Tours, negotiation, and every question about 3358 OSPREY LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3358 OSPREY LANE — before you fall in love.

See it in person

Schedule a tour

Live availability from Moe's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3358 OSPREY LANE FAQs

What would the monthly payment be for 3358 OSPREY LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,266/mo — principal and interest, the actual property-tax bill, the $170/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 3358 OSPREY LANE?+

The association fee works out to $170 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3358 OSPREY LANE?+

The most recent tax bill on record (2025) was $7,209. 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 3358 OSPREY LANE?+

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 $369,000, this home is listed about 12% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.

Which schools are assigned to 3358 OSPREY LANE?+

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.

Listing courtesy of EXIT GULF COAST REALTY · Janice Samano. MLS #C7530594.

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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