12010 XAVIER AVENUE, PORT CHARLOTTE, FL, 33981
Active171 days on marketListed Feb 24, 2026MLS #TB8479878
About this home
12010 XAVIER AVENUE
Build your dream home on this spacious 0.29-acre canal-front lot in the sought-after Port Charlotte Sec 072 subdivision. This 100 by 125-foot parcel. The property sits above the base flood elevation of 8 feet, providing added protection and security for your future home. Zoned RSF3.5 for single-family residences, this lot offers a rare opportunity to enjoy waterfront living without the added cost or worry of flood hazards.
Facts & features
The home at a glance
0.34 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 and the real association fee — not generic estimates.
$407 /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
$407/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 Englewood East
Get to know Port Charlotte. See the full Port Charlotte guide →
Englewood East — neighborhood snapshot
Population
12,116
Median age
58
Median income
$62,950
Median home value
$270,898
Avg household
2
Households w/ children
673
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 28% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 12010 XAVIER AVENUE
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$215,000
6240 FEISE STREET · same community
3 bd · 2 ba · 1,170 sqft · $184/sqft · 12 DOM
Sold · Jan ’26$230,000
12251 FORESMAN BOULEVARD · same community
3 bd · 2 ba · 1,220 sqft · $189/sqft · 1 DOM
Sold · Nov ’25$307,700
12021 ATOLL AVENUE · same community
3 bd · 2 ba · 1,469 sqft · $209/sqft · 80 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12010 XAVIER AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12010 XAVIER AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12010 XAVIER AVENUE FAQs
What would the monthly payment be for 12010 XAVIER AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $407/mo — principal and interest, the actual property-tax bill, the $6/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 12010 XAVIER AVENUE?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12010 XAVIER AVENUE?+
The most recent tax bill on record (2025) was $767. 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 12010 XAVIER AVENUE?+
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 $28,000, this home is listed about 92% 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 12010 XAVIER 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.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Olga Shahan. MLS #TB8479878.
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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