3271 OSPREY LANE, PORT CHARLOTTE, FL, 33953
Active67 days on marketListed Aug 6, 2026MLS #D6148262
About this home
3271 OSPREY LANE
Virtually Staged. Riverwood • Osprey Lane • Oversized Lot • Saltwater Pool • Beach Club Membership • NOW $10,000 PRICE DECREASE A rare opportunity just became even better. With a $10,000 price reduction, this beautifully maintained 3-bedroom, 2-bath home on one of Osprey Lane’s largest lots in Osprey Landing neighborhood is now one of Riverwood’s best values — offering space, privacy, upgrades, and a stunning saltwater pool designed for true Florida living. A Home That Lives Large Step inside to an expansive great room filled with natural light and designed for flexibility — host a full dining area and spacious living room, or enjoy one impressive open gathering space. The kitchen features abundant cabinetry, a large walk-in pantry, and a cheerful breakfast nook overlooking the pool. A Resort-Style Backyard The saltwater pool is the showpiece. Positioned vertically to the home, it creates an unusually large, resort-style deck perfect for entertaining, relaxing, and enjoying the beauty of your oversized lot. Sparkling, private, and inviting — it’s everything buyers want in a Florida home. Move-In Confidence with Major Updates Thoughtfully upgraded when built in 2000 and improved with big-ticket items already done: Roof 2024 A/C 2020 Hot Water Heater 2025 Located in a lawn-care-included neighborhood, you’ll enjoy low-maintenance living and more time to experience Riverwood’s amenities. Flexible, Functional Layout 3 bedrooms, including a flexible guest-suite option 2 bathrooms Upstairs bonus room — ideal for media, office, hobbies, or overflow guests 3rd bedroom with oversized walk-in closet + extra storage 2-car garage Added value continues with transferable flood insurance and a transferable Riverwood Beach Club Membership — a rare benefit that enhances both lifestyle and long-term desirability. Priced for a Quick Sale With 2,100 sq ft, a standout saltwater pool, major system updates, and one of the largest lots on Osprey Lane, this home is now even more attractively priced and ready for its next owner to enjoy immediately. Riverwood Lifestyle — A Community That Sells Itself Riverwood is an award-winning, gated community known for its natural beauty, resort amenities, and vibrant social atmosphere. Residents enjoy: Championship Golf Course (optional membership) Resort & lap pools Fitness center Tennis, pickleball, Bocce Dog parks Scenic walking trails & riverfront boardwalk A full calendar of clubs, activities, and social events Plus, the coveted optional Beach Club on Manasota Key offers exclusive access to one of Southwest Florida’s most beautiful Gulf beaches — a lifestyle advantage few communities can match. Located in Port Charlotte, Riverwood provides quick access to Gulf beaches, Charlotte Harbor, Sunseeker Resort, Wellen Park, shopping, dining, medical facilities, and two nearby airports. Call for a private tour of Riverwood and this extraordinary home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,105
Sqft
0.22 ac
Lot size
2
Garage
2000
Year built
Two
Levels
$190
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.
$3,490 /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
$3,490/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
+4.5%
$/sqft vs RIVERWOOD
$190 vs $220
Days on market
67 vs 74 typical
Where $190/sqft sits among the 22 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)
7 of 22
RIVERWOOD have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1673% 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 3271 OSPREY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$269,000
4697 CLUB DRIVE UNIT 201 · same community
3 bd · 2 ba · 2,041 sqft · $132/sqft · 6 DOM
Sold · May ’26$465,000
13313 SCRUB JAY COURT · same community
2 bd · 2 ba · 2,026 sqft · $230/sqft · 30 DOM
Sold · Dec ’25$425,000
14405 SILVER LAKES CIRCLE · same community
3 bd · 2 ba · 2,194 sqft · $194/sqft · 17 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3271 OSPREY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3271 OSPREY LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3271 OSPREY LANE FAQs
What would the monthly payment be for 3271 OSPREY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,490/mo — principal and interest, the actual property-tax bill, the $368/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 3271 OSPREY LANE?+
The association fee works out to $368 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3271 OSPREY LANE?+
The most recent tax bill on record (2025) was $5,237. 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 3271 OSPREY LANE?+
The listing reports pets: Breed Restrictions, 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 $399,000, this home is listed about 22% 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 3271 OSPREY 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
$399,000 runs 1673% above the PORT CHARLOTTE 33953 median — but at 2,105 sqft it's also 29% larger than 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.
03The price has already moved
Listed at $410,000, now $399,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RIVERWOOD REALTY · Janice Fanstill. MLS #D6148262.
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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