3401 BAY RIDGE WAY, PORT CHARLOTTE, FL, 33953
Active164 days on marketListed Mar 2, 2026MLS #D6144020
About this home
3401 BAY RIDGE WAY
Discover the latest modern trends in design and coastal living with this well-appointed 3 Bedroom, 2 Bath Florida home in Riverwood’s Bay Ridge community. RENT with OPTION to BUY also available! Perfectly situated on a beautifully landscaped private preserve lot, it features a wide decorative paver driveway and highly desired interior and exterior upgrades. Inside, enjoy designer lighting and fans, new 42" cushion-close wood cabinetry, granite countertops, tasteful tile backsplash, stainless LG appliances, and tile flooring (with quality laminate in the bedrooms). Pocket sliding glass doors extend the great room to an enlarged lanai with heated pool, custom summer kitchen, and media hook-up—an ideal outdoor retreat for entertaining and relaxation. The primary suite offers two closets and lanai access through the en-suite bath, complete with walk-in shower, garden tub, and dual vanities. Two guest bedrooms include one with a custom Murphy bed, creating flexible space for visitors, work, or hobbies. Added Bonus, furnishings, upright outdoor heated spa, and golf cart available for purchase. Ask Agent for Details. Beyond the home, Riverwood’s lifestyle shines. The recreation center offers an Olympic-sized pool, fitness center, tennis, pickleball, dog park, library, craft room, and outdoor event space. Golf enthusiasts will appreciate the award-winning Riverwood Golf Club, ranked Florida’s #1 course in 2021 by Golf Advisor. Residents also have access to the Riverwood Private Beach Club on Manasota Key (memberships subject to availability). With 300+ acres of preserves, wetlands, ponds, and lakes, Riverwood is recognized as an Audubon Green Community, showcasing the natural beauty of Southwest Florida. Conveniently located near Gulf beaches, Charlotte Harbor, the Myakka River, and lively destinations including Punta Gorda, Englewood, Venice, and Boca Grande—with nearby spring training for the Tampa Bay Rays and Atlanta Braves—this property truly offers it all. A rare gem that won’t last long—schedule your showing today and claim your slice of tropical paradise!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,747
Sqft
0.2 ac
Lot size
2
Garage
2003
Year built
One
Levels
$257
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 and the real association fee — not generic estimates.
$3,535 /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
$3,535/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.
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
+11.3%
$/sqft vs RIVERWOOD
$257 vs $254
Days on market
164 vs 60 typical
Where $257/sqft sits among the 32 homes for sale in RIVERWOOD
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
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)
10 of 32
RIVERWOOD have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1941% 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 3401 BAY RIDGE WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$365,000
3389 PENNYROYAL ROAD · same community
2 bd · 2 ba · 1,762 sqft · $207/sqft · 60 DOM
Sold · Oct ’25$342,000
3238 OSPREY LANE · same community
3 bd · 2 ba · 1,765 sqft · $194/sqft · 130 DOM
Sold · Apr ’26$245,000
3303 GRAND VISTA COURT UNIT 201 · same community
3 bd · 2 ba · 1,766 sqft · $139/sqft · 51 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3401 BAY RIDGE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3401 BAY RIDGE WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3401 BAY RIDGE WAY FAQs
What would the monthly payment be for 3401 BAY RIDGE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,535/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 3401 BAY RIDGE WAY?+
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 3401 BAY RIDGE WAY?+
The most recent tax bill on record (2025) was $4,361. 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 3401 BAY RIDGE WAY?+
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 $449,000, this home is listed about 36% above the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3401 BAY RIDGE WAY?+
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
Four things that matter here
01Positioned at the premium end
$449,000 runs 1941% above the PORT CHARLOTTE 33953 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
164 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $499,000, now $449,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RIVERWOOD REALTY · Janice Fanstill. MLS #D6144020.
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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