CENTURY 21 Edge
$850,0004 bd3 ba3,048 sqft$279 /sqft≈$5,435 /mo all-in ↓

403 MATSON LANE, PORT CHARLOTTE, FL, 33953

Active0 days on marketListed Oct 12, 2026MLS #C7531501

Private poolSingle Family ResidencePORT CHARLOTTE SEC 047

About this home

403 MATSON LANE

From beautifully crafted interiors to a palm-lined poolside retreat, 403 Matson Lane impresses at every turn. Offering the space, upscale appointments, and privacy often associated with higher-priced Southwest Florida luxury properties, this exceptional residence presents a compelling value. Located in Port Charlotte, between Sarasota and Fort Myers, this stunning 2023-BUILT, 4-BEDROOM + 2 SEPARATE OFFICES/DENS, 3-BATHROOM, 3-CAR GARAGE home sits on a HALF-ACRE CORNER LOT, combining luxurious finishes with room to work, gather, and unwind—all within convenient reach of the region's attractions and amenities. Inside, HIGH CEILINGS and an OPEN FLOOR PLAN create an inviting flow between the living room, kitchen, and dining area. A modern ELECTRIC FIREPLACE framed by a striking wood-and-tile accent wall anchors the living room, while nearly floor-to-ceiling 90-DEGREE SLIDING GLASS DOORS draw your eye toward the outdoor retreat. The kitchen complements the home's craftsmanship with QUARTZ COUNTERTOPS, quality STAINLESS STEEL APPLIANCES, and SOLID WOOD, SOFT-CLOSE CABINETRY—a beautiful setting for everyday meals and effortless entertaining. The SPLIT-BEDROOM LAYOUT places the spacious primary suite apart from the guest accommodations. Private sliders lead directly to the lanai, while TWO LARGE WALK-IN CLOSETS with CUSTOM CABINETRY bring thoughtful organization to your daily routine. The en suite bathroom continues the luxurious feel with custom tile work, DUAL VANITIES, a LARGE SOAKING TUB, and a SEPARATE SHOWER. Across the home, generously sized guest bedrooms feature large closets, and the guest bathrooms carry the same attention to detail with CUSTOM TILE WORK, sleek showers, and modern vanities. Two separate offices/dens add flexibility for dedicated workspaces, hobbies, or quiet retreats. An abundance of additional storage in the laundry room keeps everyday essentials neatly tucked away. Step outside to the PAVER LANAI, where ceiling fans and a natural privacy border of palms create a welcoming place to linger. At its heart, a HEATED SALTWATER POOL with an ATTACHED SPA invites sunny afternoons, relaxing evenings, and year-round enjoyment. The expansive corner setting gives this outdoor escape a wonderful sense of space and privacy. Practical upgrades are every bit as impressive: a 3-YEAR-OLD METAL ROOF with a distinctive SLATE-STYLE DESIGN, HURRICANE IMPACT-RATED WINDOWS AND DOORS, 6-INCH GUTTERS, and an EPOXY-COATED GARAGE FLOOR. Per seller, the property features builder-designed grading and a surrounding swale drainage system intended to help direct water away from the residence. Although situated in FEMA FLOOD ZONE AE, the seller reports no known history of flooding at the home. Information regarding the seller's current flood insurance coverage and premium is available upon request. Buyers are encouraged to independently verify flood history, drainage conditions, and insurance requirements and costs. With exceptional craftsmanship, versatile living spaces, and a private poolside setting, 403 Matson Lane is a rare opportunity to enjoy room to spread out without sacrificing convenience.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,048

Sqft

0.5 ac

Lot size

3

Garage

2023

Year built

One

Levels

$279

Per sqft

Private poolFireplacePool & Trees/Woods viewPets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Trees/Woods
FacesNorthwest
ParkingCircular Driveway · Driveway · Garage Door Opener · Garage Faces Side
ExteriorFrench Doors · Irrigation System · Lighting · Outdoor Shower · Private Entrance · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$4,438/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,435 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,587
PMI (est., until 20% equity)$319
Property tax — 2025 actual bill$370
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $85,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $85,000
Interest rate6.00%
Loan term

Estimated payment

$5,435/mo

Principal & interest$4,587
PMI (est., until 20% equity)$319
Property taxes (actual bill)$370
Est. insurance$160

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.

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 $850K
$594KedgeAI estimate $687,672 · range $619K–$710K$884K

vs edgeAI estimate

+23.6%

Days on market

0 vs 74 typical

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 33953 — neighborhood snapshot

Population

7,018

Median age

62.9

Median income

$77,227

Median home value

$332,200

Avg household

2.36

Households w/ children

430

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 marketBalanced — 5.0 months of inventoryBuyer’s 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 3678% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →

Paper trail

This home's history

Oct 12, 2026Listed at $850,000 · 0 days on market since
2023Built · PORT CHARLOTTE SEC 047

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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 403 MATSON 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 403 MATSON LANE — 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

403 MATSON LANE FAQs

What would the monthly payment be for 403 MATSON LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,435/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 403 MATSON LANE?+

The most recent tax bill on record (2025) was $4,438. 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 403 MATSON 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 $850,000, this home is listed about 159% above the Port Charlotte median of $328,000. The market section on this page shows how the area is trending.

Which schools are assigned to 403 MATSON 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.

The brief

Three things that matter here

01Positioned at the premium end

$850,000 runs 3678% above the PORT CHARLOTTE 33953 median — but at 3,048 sqft it's also nearly twice the size of the typical Port Charlotte listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Listed today in a Port Charlotte market that averages 74 — if it fits, move quickly.

Listing courtesy of GRANT TEAM REAL ESTATE, LLC · Christopher Grant. MLS #C7531501.

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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