3190 BAY CITY TERRACE, NORTH PORT, FL, 34286
Active19 days on marketListed Sep 1, 2026MLS #TB8544120
About this home
3190 BAY CITY TERRACE
Nestled on a quiet, tree-lined street in North Port, this exceptional 3-bedroom, 2-bathroom residence offers the ultimate in Florida indoor-outdoor living and refined everyday comfort. The heart of the home is a chef-inspired kitchen outfitted with rich granite countertops, a central preparation island, sleek stainless steel appliances, and a sunlit breakfast room with direct sliding door access to the outdoor space. Perfect for entertaining, the expansive open-concept living and dining area features custom media wall accents and disappearing pocket sliders that pull back completely to merge the interior with a large, private screened lanai overlooking peaceful wooded views. The primary retreat serves as a private oasis with its own dedicated lanai access, a spacious walk-in closet, and a spa-style bath complete with dual vanities and a walk-in shower. A thoughtful split-bedroom floor plan positions two additional bedrooms and a full bath down a separate hallway for maximum privacy, making this annual rental an unmissable place to call home. Ideally situated in a tranquil North Port neighborhood, this home offers unbeatable convenience to top coastal Florida attractions and everyday amenities. Wellness seekers will love being just 10 minutes from world-famous Warm Mineral Springs Park, while sports and entertainment enthusiasts are only 15 minutes from CoolToday Park, winter home of the Atlanta Braves. Daily shopping and dining are effortless with Cocoplum Village Shops just 10 minutes away. Sun-seekers can reach the sandy shores of Manasota Key Beach and Venice Beach in under 30 minutes, and frequent travel is seamless with Punta Gorda Airport (30 minutes) and Sarasota Bradenton International Airport (45 minutes) both within easy driving distance. Call and schedule you private tour today!And, start enjoying your Florida Private Oasis!!!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,731
Sqft
0.23 ac
Lot size
2
Garage
2013
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs PORT CHARLOTTE SUB 19
$1 vs $204
Days on market
19 vs 52 typical
Where $1/sqft sits among the 15 homes for sale in PORT CHARLOTTE SUB 19
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 Cranberry Fields
Get to know North Port. See the full North Port guide →
Cranberry Fields — neighborhood snapshot
Population
4,906
Median age
56
Median income
$90,686
Median home value
$316,250
Avg household
3
Households w/ children
474
For the school run
Sarasota County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The North Port market
$316K → $302K
North Port median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
9 of 15
PORT CHARLOTTE SUB 19 have cut their price
Median sold price, North Port, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 93% below the NORTH PORT 34286 median. See the full North Port market guide →
Paper trail
This home's history
Reality check
What actually sold near 3190 BAY CITY TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$299,888
3381 EVERETT TERRACE · same community
4 bd · 2 ba · 1,759 sqft · $170/sqft · 21 DOM
Sold · Feb ’26$360,000
4352 EVERGLADES TERRACE · same community
3 bd · 2 ba · 1,768 sqft · $204/sqft · 62 DOM
Sold · May ’26$375,000
2342 BEEVILLE AVENUE · same community
3 bd · 2 ba · 1,692 sqft · $222/sqft · 6 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3190 BAY CITY TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3190 BAY CITY TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3190 BAY CITY TERRACE FAQs
What would the monthly payment be for 3190 BAY CITY TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3190 BAY CITY TERRACE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 North Port?+
At $2,150, this home is listed about 99% below the North Port median of $334,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3190 BAY CITY TERRACE?+
Lamarque Elementary School (elementary), North Port High School (high), Woodland Middle School (middle) — Sarasota County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST PETE REALTY · Yelena Golovatyuk. MLS #TB8544120.
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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