197 ALBERT LANE, PORT CHARLOTTE, FL, 33954
Active16 days on marketListed Oct 22, 2026MLS #C7532357
About this home
197 ALBERT LANE
SHORT TERM INVESTMENT PROPERTY or fully furnished turn-key with all the space you have been looking for. Huge 4 bedroom (split and potentially 6 beds) 3 bath 4,000 sq ft home with INFINITY EDGE POOL and western views to catch the EPIC FLORIDA SUNSETS over LAKE NIAGARA. Grand front porch with ceramic tile and private unbuilt lot across the street to watch the sunrise. Enter to a grand entrance with vaulted ceilings and a two-story living room. Living room built in fireplace catches your eye, grand kitchen with updated lighting & fixtures, gourmet ovens and amazing counter space will satisfy all your entertaining needs. Master bath on the main floor has cherry wood floors, entrance to the pool and huge window to overlook the lake. Two large master closets. The master bath en suite has a jacuzzi soaker tub and separate wall in shower with dual heads. Dual vanity sinks and tons of built in storage. All other bedrooms are split to each corner of the home. Upstairs there are 2 bedrooms (with an additional attic bedroom possible) and a super large media/game loft. Outside you walk through the many french doors to the pool patio with beautiful travertine pavers, gunnite infinity edge pool, orange tree and large palms and your new composite deck for all your fishing and sun bathing. Over $150k in remodel work since 2022 and over $50k in furnishings all yours. Some of the remodel work include: All new 50 yr stunning metal roof, all new LVP flooring, full interior and exterior painting, new deck with composite floor and cable railing, lighting and finishing work. New washer and dryer and service panel as well. If being a short term rental investor is your thing, this property is a 5 star property on VRBO and AirBnB with super host status on both. It rents super well to large groups who travel together (friends, multiple family groups, etc). There are $1,000's of rental income on the books for the following seasons ready to become yours! Located in desirable Section 15 in Port Charlotte. Easy highway access & tons of great food and shopping nearby. Live your best life in Southwest Florida, embracing all the Sunshine State has — world-famous fishing, nature parks, award-winning golf courses, and stunning Gulf of America beaches — all within easy reach. Don’t miss your opportunity to make this wonderful town YOUR hometown and home YOUR HOME!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,924
Sqft
0.23 ac
Lot size
2005
Year built
Two
Levels
$223
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.
$6,870 /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
$6,870/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
−10.5%
$/sqft vs PORT CHARLOTTE SEC 015
$223 vs $195
Days on market
16 vs 55 typical
Where $223/sqft sits among the 19 homes for sale in PORT CHARLOTTE SEC 015
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 33954 — neighborhood snapshot
Population
11,193
Median age
51.7
Median income
$78,288
Median home value
$332,600
Avg household
2.33
Households w/ children
1,024
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)
12 of 19
PORT CHARLOTTE SEC 015 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3400% above the PORT CHARLOTTE 33954 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 197 ALBERT LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$503,000
23482 and 23490 FREEPORT AVENUE · same community
4 bd · 4.5 ba · 2,955 sqft · $170/sqft · 7 DOM
Sold · Apr ’26$336,775
443 HALLCREST TERRACE · same community
3 bd · 2 ba · 2,663 sqft · $126/sqft · 25 DOM
Sold · Oct ’26$400,000
23530 DUNSTAN AVENUE · same community
3 bd · 2.5 ba · 2,301 sqft · $174/sqft · 21 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 197 ALBERT LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 197 ALBERT LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
197 ALBERT LANE FAQs
What would the monthly payment be for 197 ALBERT LANE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,870/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 197 ALBERT LANE?+
The most recent tax bill on record (2025) was $10,520. 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 $874,900, this home is listed about 166% 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 197 ALBERT 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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PALM REALTY · Michelle Brown. MLS #C7532357.
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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