4150 GARDNER DRIVE, PORT CHARLOTTE, FL, 33952
Active157 days on marketListed Mar 3, 2026MLS #D6146344
About this home
4150 GARDNER DRIVE
Saltwater Canal Front lot is located in Port Charlotte close to beaching, shopping, golfing and much more. Just one bridge to open water, get ready to build your dream home.
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.
$758 /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
$758/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 45% 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 4150 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 4150 GARDNER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4150 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
4150 GARDNER DRIVE FAQs
What would the monthly payment be for 4150 GARDNER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $758/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 4150 GARDNER DRIVE?+
The most recent tax bill on record (2025) was $1,112. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Port Charlotte?+
At $79,900, this home is listed about 76% below the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 4150 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
$79,900 is 45% below the PORT CHARLOTTE 33952 median of $144,925.
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
157 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $94,500, now $79,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE EXCLUSIVE REAL ESTATE · Barry Googins. MLS #D6146344.
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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