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ActiveWATERFRONTNO CDD
3D Tour
$450,000
$364/sqft
HOA: NoneTaxes: $4,472/yr0d on market
3 Beds|2 Baths|1,236 Sq Ft|Built 1963|1 Car Garage

Key Features

Canal FrontWater ViewSingle Story
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🔥 Just listed — this home matches what most buyers are looking for in this area.

Waterfront
Waterfront
Canal - Saltwater
Water Frontage
80 ft
Water Body
OYSTER CREEK
Description
Lift
Lift Capacity
7,000 lbs
C2C

Coast 2 Coast Home Realty

Licensed Florida Realtors

4.9· 214 reviews

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Buyer Insights

Here's what we know about this listing.

Buyer Insights are informational only — always verify with your agent.

WATERFRONT LIVING WITHOUT THE FLOOD ZONE OR HOA? That's a rare find. This authentic Old Florida 3-bedroom, 2-bath home offers the best of both worlds, perfectly positioned on a scenic saltwater canal OUTSIDE OF A FLOOD ZONE with JUST ONE BRIDGE TO THE GULF. Whether you're heading out before sunrise to reel in the day's catch, cruising to waterfront restaurants, or simply enjoying peaceful afternoons by the water, this property is designed for the Florida lifestyle. Complete with a 7,000-POUND BOAT LIFT, NEWER ROOF (2023), and direct water access, it's an exceptional opportunity for a full-time residence, seasonal escape, or investment property.*** Inside, you'll find a comfortable and functional layout filled with timeless character. The living room showcases classic TERRAZZO FLOORING and a generously sized storage closet, perfect for organizing fishing gear, boating equipment, or everyday essentials. The kitchen features STAINLESS STEEL APPLIANCES, a BREAKFAST BAR, and a window overlooking the canal, bringing the waterfront views indoors. Two POCKET SLIDING GLASS DOORS seamlessly connect the living space to the SCREENED & COVERED LANAI, creating the perfect place to unwind after a day on the water or enjoy your morning coffee while watching boats drift by. The family room just off the kitchen offers enough space to comfortably accommodate a desk and a full-size Murphy bed, maximizing flexibility for guests, remote work, or extended stays.~~~ Step outside and embrace the lifestyle that makes Southwest Florida so desirable. Launch your boat from your backyard, spend the day fishing the Gulf waters, dock at waterfront restaurants, or explore nearby beaches, marinas, parks, and coastal attractions. Combining classic Old Florida charm with unbeatable boating access and the rare advantage of WATERFRONT LIVING OUTSIDE OF A FLOOD ZONE & HOA, this property is ready to become your next waterfront getaway or income generator! Call to schedule your private showing today!

County
Charlotte
Zip Code
34224

School Report Card

Source: FL Dept. of Education

ABCDF
Elementary
Middle
High

Neighborhood

Map unavailable

Type
Single Family Residence
Living Area
1,236 sqft
Construction
Block, Concrete, Stucco
Roof
Shingle
Flooring
Terrazzo, Wood
Pool
No
HOA
None
  • Ceiling Fans(s)
  • Primary Bedroom Main Floor
  • Thermostat
  • Lighting
  • Rain Gutters
  • Sliding Doors
  • Storage
  • Dishwasher
  • Dryer
  • Microwave
  • Range
  • Refrigerator
  • Washer
  • Electric Dryer Hookup
  • In Garage
  • Washer Hookup
  • Front Porch
  • Rear Porch
  • Screened
  • Cleared
  • In County
  • Landscaped
  • Level
  • Paved
  • Cable Connected
  • Electricity Connected
  • Sewer Connected
  • Water Connected
  • Community Boat Ramp
  • Shed(s)
Bedrooms
3
Bathrooms
2
Year Built
1963
Construction
Block, Concrete, Stucco
Flooring
Terrazzo, Wood
Roof
Shingle
Garage Spaces
1
Cooling
Central Air
Heating
Central, Electric
Waterfront
Yes
Pet Restrictions
Cats Ok, Dogs Ok
Lot Size
0.23 acres
Senior Community
No
Building Elevator
Pet Size
# of Pets
10+
Max Pet Weight
Tax Year
2025
Annual Tax Amount
$4,472
No HOA fees on this listing.
Down Payment20% — $90,000
Interest Rate6.50%
Loan Term
Est. Mortgage
$2,275
HOA Fee
$0
Est. Property Tax
$373
Est. Insurance
$150
Total Est. Monthly Cost$2,798

* Estimates are for illustration purposes only and do not constitute an offer of financial advice. Actual rates, payments, insurance, and taxes will vary based on credit, location, and other factors. Contact a licensed mortgage professional for a personalized quote. Homeowners insurance estimate based on Florida averages.

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