12274 DEFENDER DRIVE, PORT CHARLOTTE, FL, 33953
Active15 days on marketListed Oct 23, 2026MLS #C7532346
About this home
12274 DEFENDER DRIVE
Discover the perfect opportunity to BUILD YOUR DREAM WATERFRONT HOME in the desirable PORT CHARLOTTE! This STANDARD-SIZED WATERFRONT LOT offers 80 FEET OF WATER FRONTAGE with boating access to the beautiful MYAKKA RIVER in approximately 5 MINUTES BY BOAT, with ONLY ONE BRIDGE OUT! From the Myakka River, enjoy access to CHARLOTTE HARBOR and the GULF OF MEXICO, making this an ideal location for BOATING, FISHING, KAYAKING, and enjoying the best of the FLORIDA WATERFRONT LIFESTYLE. Whether you're planning a year-round residence, seasonal retreat, or future investment, this property offers an exciting opportunity to create your own piece of paradise! PROPERTY HIGHLIGHTS • Standard-sized waterfront residential lot • 80 FEET OF WATER FRONTAGE • ONLY ONE BRIDGE OUT to the Myakka River • Approximately 5-MINUTE BOAT RIDE to the Myakka River • Boating access to CHARLOTTE HARBOR and the GULF OF MEXICO • Ideal location for boating, fishing, kayaking, and waterfront recreation • Opportunity to build a CUSTOM WATERFRONT HOME AREA HIGHLIGHTS Located in the growing 33953 area of PORT CHARLOTTE, this property offers a wonderful balance of peaceful waterfront living and convenient access to Southwest Florida amenities. • Close to shopping, dining, grocery stores, and everyday conveniences • Convenient access to US-41 and nearby roadways • Near the scenic MYAKKA RIVER and CHARLOTTE HARBOR • Short drive to NORTH PORT and Wellen Park, offering shopping, restaurants, entertainment, and community events • Enjoy nearby golf courses, parks, nature trails, and outdoor recreation • Easy access to the beautiful Gulf Coast beaches of ENGLEWOOD and BOCA GRANDE • Convenient to the PORT CHARLOTTE TOWN CENTER area and surrounding amenities • Enjoy Southwest Florida's year-round sunshine, boating, fishing, and laid-back coastal lifestyle Don't miss this opportunity to own a piece of WATERFRONT PARADISE and start planning your DREAM FLORIDA HOME!
Facts & features
The home at a glance
0.23 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.
$1,073 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,073/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Where it sits
Inside Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33953 — neighborhood snapshot
Population
8,318
Median age
57.3
Median income
$83,070
Median home value
$372,900
Avg household
2.46
Households w/ children
642
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)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 389% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 12274 DEFENDER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$670,000
1288 WHEATLEY STREET · same community
3 bd · 2 ba · 1,789 sqft · $375/sqft · 103 DOM
Sold · Jul ’26$410,000
1054 GENERAL STREET · same community
3 bd · 2 ba · 1,790 sqft · $229/sqft · 31 DOM
Sold · Apr ’26$550,000
12332 CORPORAL CIRCLE · same community
3 bd · 2 ba · 1,841 sqft · $299/sqft · 204 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 12274 DEFENDER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12274 DEFENDER DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12274 DEFENDER DRIVE FAQs
What would the monthly payment be for 12274 DEFENDER DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,073/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 12274 DEFENDER DRIVE?+
The most recent tax bill on record (2025) was $1,306. 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 12274 DEFENDER DRIVE?+
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 $110,000, this home is listed about 67% below the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.
Which schools are assigned to 12274 DEFENDER DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KW PEACE RIVER PARTNERS · April Emil. MLS #C7532346.
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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