12038 FLORENCE AVENUE, PORT CHARLOTTE, FL, 33981
Active43 days on marketListed Sep 25, 2026MLS #D6148881
About this home
12038 FLORENCE AVENUE
Welcome to 12038 Florence Avenue, a beautifully renovated 3-bedroom, 2-bath POOL HOME on a DOUBLE LOT offering 1,828 square feet of bright, open living space in Port Charlotte. Thoughtfully updated throughout, this home features a stunning remodeled kitchen, beautifully renovated primary and guest bathrooms, updated interior finishes and sleek flooring that create a fresh, modern feel from the moment you walk in. Major improvements include a NEW ROOF, NEW A/C SYSTEM and new saltwater pool pump, along with a newer pool heater and water heater, giving buyers added peace of mind. The open-concept living and dining areas flow effortlessly toward the screened outdoor living space and HEATED SALTWATER POOL, creating an ideal setup for entertaining, relaxing and enjoying the Florida lifestyle year-round. Situated on a 0.46-ACRE lot with a 2-car garage, public water and sewer, this home has also operated successfully as a vacation rental since 2021, with turnaround records available. An option to purchase the property fully furnished may also be available. Move-in ready and packed with thoughtful upgrades, this Port Charlotte pool home offers the perfect combination of comfort, style and functionality. Purchase price reflects the inclusion of the lot next door.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,828
Sqft
0.46 ac
Lot size
2
Garage
1992
Year built
One
Levels
$246
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.
$3,907 /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
$3,907/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.
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
−2.2%
$/sqft vs PORT CHARLOTTE SEC 067
$246 vs $205
Days on market
43 vs 55 typical
Where $246/sqft sits among the 9 homes for sale in PORT CHARLOTTE SEC 067
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 Englewood East
Get to know Port Charlotte. See the full Port Charlotte guide →
Englewood East — neighborhood snapshot
Population
12,132
Median age
57
Median income
$64,153
Median home value
$310,108
Avg household
2
Households w/ children
690
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)
3 of 9
PORT CHARLOTTE SEC 067 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 900% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 12038 FLORENCE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$325,000
7331 FINNEGAN STREET · same community
4 bd · 2 ba · 1,829 sqft · $178/sqft · 13 DOM
Sold · Jun ’26$337,890
7339 FINNEGAN STREET · same community
4 bd · 2 ba · 1,829 sqft · $185/sqft · 15 DOM
Sold · Jul ’26$300,000
7168 RISON STREET · same community
4 bd · 2 ba · 1,810 sqft · $166/sqft · 24 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
Kyler Lang
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 12038 FLORENCE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12038 FLORENCE AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12038 FLORENCE AVENUE FAQs
What would the monthly payment be for 12038 FLORENCE AVENUE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,907/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 12038 FLORENCE AVENUE?+
The most recent tax bill on record (2025) was $5,587. 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 $449,000, this home is listed about 36% 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 12038 FLORENCE AVENUE?+
Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — 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
$449,000 runs 900% above the PORT CHARLOTTE 33981 median.
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 $459,000, now $449,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 SUNBELT REALTY · Jayson Burtch. MLS #D6148881.
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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