346 RUTLAND CIRCLE, PORT CHARLOTTE, FL, 33954
Active295 days on marketListed Oct 21, 2025MLS #TB8439332
About this home
346 RUTLAND CIRCLE
Experience the perfect blend of serenity and opportunity with this beautiful waterfront lot nestled along the scenic Frederick Waterway in Port Charlotte. This prime parcel offers an unparalleled setting for building your custom dream home, where you can enjoy the beauty of Southwest Florida’s natural landscape every day. The Frederick Waterway is a desirable freshwater canal system, ideal for kayaking, canoeing, or simply taking in the peaceful reflections of the surrounding palms and wildlife from your backyard oasis. Located in a quiet, established neighborhood, this property combines privacy with convenience — just minutes from shopping, dining, golf courses, and entertainment. Outdoor enthusiasts will love the area’s proximity to world-class fishing, Gulf beaches, and Charlotte Harbor, while nature lovers will appreciate the abundance of parks, trails, and scenic waterways. Whether you’re planning to build your forever home, invest for the future, or create a relaxing retreat, this exceptional lot provides the perfect canvas for your vision. Don’t miss this opportunity to own a slice of Florida paradise — where tranquility, convenience, and possibility meet.
Facts & features
The home at a glance
0.23 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 — not generic estimates.
$356 /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
$356/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 33954 — neighborhood snapshot
Population
11,604
Median age
52.8
Median income
$83,081
Median home value
$304,000
Avg household
2.42
Households w/ children
1,156
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 9% below the PORT CHARLOTTE 33954 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 346 RUTLAND CIRCLE
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$130,000
463 THERESA BOULEVARD · same community
3 bd · 1.5 ba · 984 sqft · $132/sqft · 7 DOM
Sold · Mar ’26$260,000
19095 ROOSEVELT AVENUE · same community
3 bd · 2 ba · 1,148 sqft · $226/sqft · 34 DOM
Sold · Nov ’25$288,000
359 SALISBURY STREET · same community
3 bd · 2 ba · 1,266 sqft · $227/sqft · 156 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 346 RUTLAND CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 346 RUTLAND CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
346 RUTLAND CIRCLE FAQs
What would the monthly payment be for 346 RUTLAND CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $356/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 346 RUTLAND CIRCLE?+
The most recent tax bill on record (2024) was $531. 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 346 RUTLAND CIRCLE?+
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 $24,000, this home is listed about 93% 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 346 RUTLAND CIRCLE?+
Kingsway Elementary School (elementary), Port Charlotte Middle School (middle), Port Charlotte High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PORT CHARLOTTE 33954 market on paper
$24,000 is 9% below the PORT CHARLOTTE 33954 median of $26,500.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
295 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 $29,000, now $24,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE KEYES COMPANY · Heather Porrett. MLS #TB8439332.
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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