4198 GARDNER DRIVE, PORT CHARLOTTE, FL, 33952
Active568 days on marketListed Jan 17, 2025MLS #D6140101
About this home
4198 GARDNER DRIVE
Stunning WATER VIEWS and AMAZING sunsets come with this vacant lot for sale in the central area of Port Charlotte, FL. 4198 Gardner Dr. has county water, sewer and electrical connections nearby. Located only 1 bridge to open water! The perfect residence for your new boat! Come build your dream home and enjoy living the Florida lifestyle in this friendly waterfront neighborhood. This vacant lot is conveniently located near HWY 41, minutes to Port Charlotte beach, marinas, boat ramps and easy connection to I-75 and a short ride to several airports. Whether you enjoy living here year-round or call this your second home, you will LOVE the many activities in the area. Port Charlotte offers a multitude of World Class golfing, fishing, boating, dining, restaurants, small businesses, and so much more. Don’t let this convenient WATERFRONT lot with an excellent price get away!
Facts & features
The home at a glance
0.22 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.
$879 /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
$879/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 33952 — neighborhood snapshot
Population
33,991
Median age
53.7
Median income
$56,117
Median home value
$224,900
Avg household
2.3
Households w/ children
2,952
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 31% below the PORT CHARLOTTE 33952 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 4198 GARDNER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$195,000
851 CONREID DRIVE NE · same community
3 bd · 1 ba · 874 sqft · $223/sqft · 66 DOM
Sold · Feb ’26$215,000
241 MENTEL TERRACE · same community
3 bd · 1 ba · 874 sqft · $246/sqft · 9 DOM
Sold · Jun ’26$223,550
815 CONREID DRIVE NE · same community
3 bd · 1 ba · 1,077 sqft · $208/sqft · 31 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4198 GARDNER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4198 GARDNER DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4198 GARDNER DRIVE FAQs
What would the monthly payment be for 4198 GARDNER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $879/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 4198 GARDNER DRIVE?+
The most recent tax bill on record (2024) was $1,067. 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 4198 GARDNER DRIVE?+
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 $99,500, this home is listed about 70% below the Port Charlotte median of $330,880. The market section on this page shows how the area is trending.
Which schools are assigned to 4198 GARDNER DRIVE?+
Neil Armstrong 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 33952 market on paper
$99,500 is 31% below the PORT CHARLOTTE 33952 median of $144,950.
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
568 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 $130,000, now $99,500 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Misty Raines PA. MLS #D6140101.
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.
Never miss a listing
New Port Charlotte homes, in your inbox
Like 4198 GARDNER DRIVE but not quite? A daily digest of every new listing in Port Charlotte — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask John to ping you on any price or status change →