14676 PONCE DE LEON TRAIL, PORT CHARLOTTE, FL, 33981
Active22 days on marketListed Oct 16, 2026MLS #D6149163
About this home
14676 PONCE DE LEON TRAIL
Waterfront living, a heated pool, a private spa, and the beaches just minutes away! Located in the gated community of Harbor West, this beautiful 2020 home offers the Florida lifestyle you've been dreaming of without the wait of new construction. Featuring 3 bedrooms, 2 bathrooms, and 1,672 square feet of living space, this home boasts water views from both the front and back, surrounded by peaceful scenery, abundant wildlife, and the beauty of Southwest Florida. Step into your own backyard oasis, complete with a heated in-ground pool and automated in-ground spa, all enclosed within a 2023 pool cage featuring no-see-um screening. Enjoy relaxing outdoors year-round, with a roll-down shade over the sliding doors for added comfort and a fenced yard with a convenient doggy door giving your pets easy access to the pool deck. Peace of mind comes standard with a tile roof installed in 2023, impact-rated windows and sliders, and Kevlar Category 5 hurricane screens for the front door and rear lanai. Inside, you'll find tile flooring throughout, crown molding, and upgraded cabinetry with convenient pull-out drawers. The primary bathroom features a relaxing soaking tub, while smart-home upgrades include keyless entry, a Ring doorbell, and a Wi-Fi thermostat. Additional highlights include a paver driveway, an epoxy-finished garage floor with storage racks, an irrigation system, and a washer and dryer that convey with the home. Enjoy the best of coastal Florida living with beautiful beaches just minutes away, along with convenient access to golf courses, fishing, boating, and the area's many outdoor attractions. Whether you're looking for a full-time residence or the perfect Florida retreat, this move-in-ready home offers the ideal combination of waterfront scenery, resort-style amenities, and coastal convenience. Don't wait to build your dream home when you can start enjoying the Florida lifestyle today. Schedule your private showing!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,672
Sqft
0.17 ac
Lot size
2020
Year built
One
Levels
$263
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.
$4,054 /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
$4,054/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
+60.3%
$/sqft vs HARBOR WEST
$263 vs $332
Days on market
22 vs 55 typical
Where $263/sqft sits among the 8 homes for sale in HARBOR WEST
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 South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,682
Median age
63
Median income
$108,262
Median home value
$544,120
Avg household
2
Households w/ children
246
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)
5 of 8
HARBOR WEST have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 880% 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 14676 PONCE DE LEON TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$385,000
15113 SPANISH POINT DRIVE · same community
3 bd · 2 ba · 1,670 sqft · $231/sqft · 138 DOM
Sold · Dec ’25$402,000
14756 PONCE DE LEON TRAIL · same community
3 bd · 3 ba · 1,849 sqft · $217/sqft · 130 DOM
Sold · Mar ’26$339,000
15033 SPANISH POINT DRIVE · same community
3 bd · 3 ba · 1,857 sqft · $183/sqft · 47 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 14676 PONCE DE LEON TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14676 PONCE DE LEON TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
14676 PONCE DE LEON TRAIL FAQs
What would the monthly payment be for 14676 PONCE DE LEON TRAIL?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,054/mo — principal and interest, the actual property-tax bill, the $196/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 14676 PONCE DE LEON TRAIL?+
The association fee works out to $196 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 14676 PONCE DE LEON TRAIL?+
The most recent tax bill on record (2025) was $5,805. 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 14676 PONCE DE LEON TRAIL?+
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 $439,900, this home is listed about 34% 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 14676 PONCE DE LEON TRAIL?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · John Boutchia. MLS #D6149163.
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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