4280 OAK TERRACE CIRCLE, PORT CHARLOTTE, FL, 33953
Active547 days on marketListed Feb 12, 2025MLS #D6140712
About this home
4280 OAK TERRACE CIRCLE
A nice lot located in a 55+ , HOA ! This HOA is in a great location as it is between North Port, Port Charlotte and Englewood. The community features a small clubhouse used for various social events. There is also a heated pool, tennis court and shuffle board. Utilities are underground, sewer and water are public, cable is also available. There are many public beaches within 20 minutes, Tampa Bay Rays stadium is only about 3 miles away and Atlanta Braves stadium about 10 miles away.
Facts & features
The home at a glance
0.12 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 and the real association fee — not generic estimates.
$434 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$434/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.
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte 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 45% below the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 4280 OAK TERRACE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$219,500
4270 TREE TOPS DRIVE · same community
3 bd · 2 ba · 1,043 sqft · $210/sqft · 58 DOM
Sold · Sep ’25$125,000
14261 PALM TERRACE · same community
2 bd · 2 ba · 1,097 sqft · $114/sqft · 68 DOM
Sold · May ’26$250,000
4261 OAK TERRACE CIRCLE · same community
3 bd · 2 ba · 1,368 sqft · $183/sqft · 0 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4280 OAK TERRACE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4280 OAK TERRACE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4280 OAK TERRACE CIRCLE FAQs
What would the monthly payment be for 4280 OAK TERRACE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $434/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 4280 OAK TERRACE CIRCLE?+
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 4280 OAK TERRACE CIRCLE?+
The most recent tax bill on record (2024) was $342. 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 4280 OAK TERRACE CIRCLE?+
The listing reports pets: Number Limit, Size Limit. 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 $12,000, this home is listed about 96% below the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4280 OAK TERRACE CIRCLE?+
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
01Under the PORT CHARLOTTE 33953 market on paper
$12,000 is 45% below the PORT CHARLOTTE 33953 median of $21,900.
02Time on market is leverage
547 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $16,000, now $12,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Tracy Meyer. MLS #D6140712.
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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