Port Charlotte Homes under $400,000

Port Charlotte Homes under $400,000

Welcome to Port Charlotte, Florida – a hidden gem nestled in the heart of Charlotte County, where the sun shines bright and the lifestyle is as inviting as the warm Gulf breeze. This charming community is renowned for its picturesque landscapes, vibrant neighborhoods, and a welcoming atmosphere that makes it an ideal place to call home.

Port Charlotte boasts a diverse array of homes, and if you're searching for affordability without compromising on quality, you'll be delighted to discover an impressive selection of properties under $400,000. Whether you’re a first-time homebuyer, a growing family, or someone looking to downsize, Port Charlotte has something for everyone. From cozy single-family homes to charming villas, these residences offer modern amenities and spacious layouts, perfect for creating lasting memories.

Living in Port Charlotte means enjoying a lifestyle filled with outdoor adventures and recreational activities. With easy access to beautiful beaches, serene parks, and the stunning waters of Charlotte Harbor, residents can indulge in kayaking, fishing, and sunbathing to their heart's content. The area also offers a vibrant community spirit, with local events, farmers' markets, and a variety of dining options that cater to every palate.

Education and healthcare facilities are top-notch, ensuring that families have everything they need within reach. With its strategic location, Port Charlotte provides easy access to nearby cities like Punta Gorda and Fort Myers, enriching your living experience with even more opportunities.

Discover the charm and affordability of Port Charlotte, where your dream home awaits! Embrace the Florida lifestyle and start your journey today in this delightful community.

Newest Port Charlotte Homes under $400,000

219 Mccabe Street, Port Charlotte
$311,990
4 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33953 Zip Code
Under Construction. NEW BUILD - Anticipated Completion Date is DECEMBER 2026. SPECIAL INCENTIVES: 5.49% Interest Rate on a FHA/VA 30-Year Fixed Loan ...OR...$25,000 FLEX CASH towards CLOSING COST / PREPAIDS when using a preferred lender. The 1,650-square-foot (air-conditioned) Fairfield plan is an open-concept floor plan that includes four bedrooms, two bathrooms, and a two-car garage. The kitchen of the Fairfield boasts many contemporary features, including upgraded 36” contemporary shaker-style cabinets, a large 8’ wide kitchen island with upgraded countertops, Whirlpool dishwasher, microwave, and range, and overlooks an expansive great room, making it the perfect plan for entertaining and day-to-day living. The great room and dining room feature beautiful tile-plank flooring and vaulted ceilings. The owner’s suite features a private bathroom, with a separate water-closet room, double-sink vanity, separate linen closet, and large walk-in closet. The three guest bedrooms share a separate bathroom. The Fairfield also features a decorative brick paver driveway, a professionally designed landscaping package, and designer-selected paint colors, light, and plumbing fixtures, impact resistant window and doors.

219 Mccabe Street, Port Charlotte
1477 Biscayne Drive, Port Charlotte
$299,990
3 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33953 Zip Code
Under Construction. NEW BUILD. Anticipated completion date is DECEMBER 2026. SPECIAL INCENTIVES: $25,000 FLEX CASH towards CLOSING COST / PREPAIDS when using a preferred lender. The 1,400-square-foot (air-conditioned) Weston plan boasts a well-designed open floor plan that includes three bedrooms, two bathrooms, and a two-car garage. The kitchen boasts upgraded 36” contemporary shaker-style cabinets, a spacious 7’ wide kitchen island with upgraded countertops, Whirlpool dishwasher, microwave, and range, refrigerator, washer & dryer. The Kitchen overlooks a spacious great room that features beautiful tile-plank flooring and vaulted ceilings. The expansive owner’s suite features a private bathroom, with a separate water-closet room, double-sink vanity, separate linen closet, and large walk-in closet. The two guest bedrooms share a guest bathroom and are located opposite the owner’s suite. The Weston also features a decorative brick paver driveway, a professionally designed landscaping package, and designer-selected paint colors, light, and plumbing fixtures, impact resistant windows and doors.

1477 Biscayne Drive, Port Charlotte
23203 Adela Avenue, Port Charlotte
$302,900
3 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33952 Zip Code
Virtually Staged. NEW CONSTRUCTION WITH WARRANTY – Move-in Ready! SPECIAL INCENTIVES: LOW fixed FHA/VA 30-yr fixed financing – OR – get up to $18k toward closing costs, rate buydowns, and prepaids when using preferred lender and title. The Cayo Costa combines open-concept living with a smart split-bedroom layout, offering three bedrooms plus a den and two bathrooms. Perfectly designed for entertaining, the main living area showcases a soaring vaulted ceiling that seamlessly connects the kitchen, dining area, and expansive Great Room. A large freestanding island provides the ideal centerpiece for both casual meals and social gatherings, while sliding glass doors extend the living space to a covered lanai for effortless indoor-outdoor living. The private Primary Suite is a true retreat, featuring two spacious walk-in closets and a well-appointed en-suite bathroom. On the opposite side of the home, two comfortable guest bedrooms share a full bath, ensuring both privacy and convenience. A versatile den with French doors offers the perfect space for a home office, study, or creative flex room. Highlights of the Cayo Costa include: Quartz countertops in kitchen and baths, designer cabinetry with soft-close doors, stainless steel kitchen appliance package, upgraded plank tile flooring in main living areas, hurricane-impact windows and doors, attached 2-car garage with direct laundry access, and more! Pictures, renderings, & virtual tour are of similar home & are used for display purposes only.

23203 Adela Avenue, Port Charlotte
2274 Lakeshore Circle, Port Charlotte
$170,000
2 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33952 Zip Code
Delightful 2 Bedroom, 2 Bathroom home with attached one car garage. This light and bright home offers an open and split bedroom floor plan with Living Room with fireplace, separate Dining room with sliding glass doors to the backyard and spacious Kitchen. The Kitchen offers an oven/range, stainless refrigerator, double sink, pantry closet. The Master Bedroom features a walk in closet and private bathroom with walk in shower. The guest bedroom is generous sized with a double closet and the guest bathroom has a tub/shower combination. There is a 15x10 screened porch with fabulous view of the spacious backyard. This home is not in a flood zone and there is no HOA. Utilities are county water and sewer. This home is minutes from shopping, dining, entertainment and waterfront parks.

2274 Lakeshore Circle, Port Charlotte
23407 Abrade Avenue, Port Charlotte
$259,900
3 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33980 Zip Code
No need to look any further: you will immediately want to call this upgraded Fero-built, split bedroom floor plan home yours the minute that you see it! Every room offers something special, all upgraded with tasteful & meticulous attention to detail. No stone left unturned in the kitchen! Three bedrooms and two baths, a park-like fenced backyard with an added driveway to the shed, TWO lanai areas, one of which features a spa-ready hot tub experience waiting for you! Tile and luxury vinyl flooring throughout. The sellers high-end taste for luxury shows, including the cedar-lined primary bedroom closet. Newer water heater, roof, underground LP tank for the hardwired generator included, hurricane rated shutters & doors. In a neighborhood of well-kept homes, with nearby shopping, schools, restaurants, and two county parks. Check out the virtual tour and call today for your private showing experience.

23407 Abrade Avenue, Port Charlotte
18870 Ackerman Avenue, Port Charlotte
$274,000
3 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33948 Zip Code
Opportunity awaits in Port Charlotte! This 3-bedroom, 2-bath home offers 1,172 square feet of living space, a split-bedroom floor plan, and a convenient location in an established neighborhood. Enjoy an open living area, an eat-in kitchen, granite countertops, tile flooring throughout, and an attached garage with additional shed for storage or a workshop. Situated on a spacious lot with room to enjoy the Florida lifestyle, this home offers convenient access to shopping, dining, and everyday essentials. The seller is motivated and welcomes all reasonable offers. Don't miss the opportunity to make this Port Charlotte property your own!

18870 Ackerman Avenue, Port Charlotte
20343 Rutherford Avenue, Port Charlotte
$330,000
4 Beds ⋅ 3 Baths ⋅ Port Charlotte SubDv. ⋅ 33952 Zip Code
This spacious home puts you close to everything - shopping, schools, restaurants, auto repair, I-75, Port Charlotte Beach Complex, and more, while remaining on a quiet street. Numerous updates have been completed, including repiping, a new circuit breaker panel, roof replacements, and more. Click the Tour 1 icon above for the NARRATED VIDEO VIRTUAL TOUR - not just the same still photos! The floor plan and yard suit a family and/or small business owner. With 4 bedrooms, 3 bathrooms, living and dining rooms, a family room, pool, and fenced yard, this is an excellent family home. The oversized corner lot offers parking for 6+ vehicles near the street, gated parking for a boat or RV, a 50-amp RV hookup, and more - ideal for homeowners with outdoor equipment or small business vehicles. It is a truly versatile homestead. The garage has been converted into a finished room with an ensuite bath and exterior entrance, making it ideal as a 4th bedroom or rental room. The attractively shaped pool is surrounded by a 477 sq. ft. deck with ample space for a variety of lounge furniture. An adjacent 218 sq. ft. covered area provides plenty of shade for relaxing and outdoor dining. This property includes a ONE-YEAR HOME WARRANTY for the buyer. The refrigerator on the lanai does NOT convey. MUCH MORE INFO is attached - ask your agent for copies, especially the FEATURES LIST and WARRANTY OUTLINE.

20343 Rutherford Avenue, Port Charlotte
517 Skylark Lane Nw, Port Charlotte
$239,900
2 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33952 Zip Code
Welcome to your ultimate cozy Florida retreat, with this beautifully inviting 2-bedroom, 2-bathroom home that captures the true essence of relaxed Florida living, From the moment you step inside, you will feel right at home with a spacious eat in kitchen, split bedrooms, a bright florida room/family room that leads to a screened lanai and a separate air conditioned laundry room with access from the garage. The lanai steps out into an expansive, large backyard with a concrete patio. Plenty of room for a pool! This move-in ready gem is the perfect place to start your next chapter weather its seasonal or full time. Schedule your appointment today!

517 Skylark Lane Nw, Port Charlotte
21279 Argyle Avenue, Port Charlotte
$369,900
4 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33954 Zip Code
SPACIOUS 4-BEDROOM HOME ON A DOUBLE LOT WITH EXTENSIVE UPDATES, IMPACT WINDOWS & EXCEPTIONAL FUTURE POTENTIAL! This beautifully remodeled 4-bedroom, 2-bath home offers the perfect combination of comfort, privacy, convenience and flexibility in a quiet Port Charlotte setting. Situated on an oversized double lot along a short street, the property provides plenty of room to enjoy today while offering exciting possibilities for the future. Inside, thoughtful updates include IMPACT WINDOWS, beautifully renovated bathrooms, an updated kitchen and appliances from 2020 or newer. Major improvements provide added peace of mind, including a NEW ROOF IN 2022 with NEW SKYLIGHTS, NEW GUTTERS, a NEW A/C IN 2023 and a NEW ELECTRICAL PANEL WITH GENERATOR HOOKUP. The spacious floor plan offers four true bedrooms, providing flexibility for guests, a home office or hobby space. There are also separate living and dining areas, making it great for entertaining! The GARAGE adds even more functionality with EXTRA INSULATION, dedicated WORKSHOP SPACE and GENEROUS STORAGE, making it ideal for projects, tools, equipment or additional organization. Outdoors, an EXTRA-LARGE SCREENED AND COVERED LANAI creates an ideal extension of the living space and overlooks a private backyard perfect for relaxing, entertaining and enjoying the Southwest Florida lifestyle. One of the property’s most unique features is the INCLUDED EXTRA LOT, creating additional space and opportunity. Subject to applicable zoning, permitting and county approval, the additional lot may offer potential for a detached garage, guest house or accessory structure, or could potentially be separated for a future single-family home. Adding even more value, the property is located in an X FLOOD ZONE, where flood insurance is generally not required by federally backed lenders, though buyers should verify requirements with their lender and insurance provider. Enjoy a peaceful residential setting while remaining conveniently located near Port Charlotte shopping, restaurants, hospitals, schools, parks and everyday necessities. With extensive renovations, valuable major-system updates, functional garage space, generous outdoor living, an X flood-zone designation and a rare double-lot configuration, this move-in-ready home offers exceptional versatility in the heart of Port Charlotte. Schedule your showing to make this home yours TODAY!

21279 Argyle Avenue, Port Charlotte
22215 Oneida Avenue, Port Charlotte
$349,900
3 Beds ⋅ 3 Baths ⋅ Port Charlotte SubDv. ⋅ 33952 Zip Code
Private tropical oasis on a double lot in Port Charlotte’s New York Section. This maintained 3-bed, 2.5-bath pool home sits on nearly half an acre, wrapped in mature palms, oaks, mango, and banana trees — privacy and room to breathe, without leaving town. The heart of the property is an extra-large sparkling pool (17 x 32), made for laps and long Florida afternoons. A brand-new pool screen (2026) and screened lanai turn the yard into a true outdoor living room. A poolside room opens through a slider to the private yard, and a dedicated pool bath keeps entertaining easy. The oversized shell circular drive parks 10+ cars, work trucks, boats, or an RV with hookup — permeable, practical, and built for Florida living. Inside, a bright open layout flows with laminate throughout and ceiling fans in every room. The updated kitchen brings granite counters, wood cabinetry, glass-front accents, and crown molding. A private primary suite includes an en-suite bath. A multi-use garage with a flat roof and a 10×16 shed add everyday flexibility. Peace of mind is already in place: metal roof, electrical panel updated in 2026, Zone X (no flood insurance required), and no deed restrictions. Quiet and shaded, yet close to shopping, dining, Gleneagle Golf Course, and the water.

22215 Oneida Avenue, Port Charlotte
23102 Madelyn Avenue, Port Charlotte
$350,000
3 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33954 Zip Code
Virtually Staged. Virtually Staged. Move right in and enjoy the thoughtful upgrades throughout this beautifully maintained 3-bedroom, 2-bath home. With no HOA or CDD fees and a location NOT in a designated FLOOD ZONE, this property offers comfortable Florida living with added peace of mind. IMPACT WINDOWS installed in 2024, an HVAC in 2023, and Roof installed in 2016 add to its appeal. Inside, cathedral ceilings and abundant natural light enhance the inviting open floor plan. The spacious great room features a designer accent wall, built-in shelving, and a dry bar an ideal setting for everyday relaxation or entertaining. The kitchen offers solid wood cabinetry, stone countertops, a dedicated ice maker, and generous workspace. The SPLIT BEDROOM layout provides privacy, while the spacious primary suite includes a walk-in closet and an ensuite bath with a classic claw-foot soaking tub. ACCESSIBILITY MINDED FEATURES include EXTRA WIDE DOORWAYS, an OPEN LAYOUT, and an OVERSIZED WALK-IN SHOWER. Outdoor living is equally inviting, with a fully FENCED BACKYARD, screened lanai, expansive brick paver patio, and gas fire pit. Whether you’re hosting friends, dining outdoors, or enjoying a quiet evening, there’s plenty of space to make the most of the Florida lifestyle. Convenient to shopping, dining, parks, golf, Punta Gorda Airport and the Interstate, this home brings together comfort, practical upgrades, and inviting spaces inside and out. Schedule your private showing today!

23102 Madelyn Avenue, Port Charlotte
582 Azalea Drive Nw, Port Charlotte
$282,000
2 Beds ⋅ 2 Baths ⋅ Port Charlotte SubDv. ⋅ 33952 Zip Code
Amazing Pool Home in the Heart of Port Charlotte!!! Welcome to this beautifully updated single-family pool home in the heart of Port Charlotte! Offering the perfect blend of style, comfort, and peace of mind. This home has been thoughtfully upgraded and is truly move-in ready. Step inside to the expansive great room and you’ll immediately appreciate the direct view to the huge lanai and tropical pool! New luxury vinyl flooring, trim work and fresh paint create a modern and inviting atmosphere throughout the home. The beautifully remodeled bathrooms add a touch of elegance, while the new appliances make the kitchen both attractive and functional. For added comfort and protection, the home features brand-new hurricane-impact windows and shutters, along with a newer roof providing valuable security for years to come. Outside, enjoy your own private pool and entertaining space, perfect for relaxing in the Florida sunshine, cooling off on warm afternoons, or gathering with family and friends. This area features new pool cage, pool heater and new deck stain. The central Port Charlotte location puts you conveniently close to shopping, dining, medical facilities, entertainment, and everything else the area has to provide, while also giving easy access to Southwest Florida’s beautiful Gulf Coast beaches. With its extensive updates, private pool, and convenient location, this is a wonderful opportunity to own a beautifully refreshed Florida home in Paradise!!!

582 Azalea Drive Nw, Port Charlotte
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