12439 Prather AVE, Port Charlotte, FL, 33981 | $999,000

Nestled on a stunning tip lot with magnificent, panoramic views of the Myakka River, this unique custom home offers exceptional privacy and serenity in a quiet cul-de-sac setting. With one bridge out to the Gulf, this is an ideal location for boaters seeking easy access to open water. Boasting 175 feet of seawall, the property delivers a true waterfront lifestyle with breathtaking views from multiple vantage points.
The home features 3 bedrooms plus a den and 2½ baths, offering a spacious and versatile layout designed for comfortable living. Highlights include a 2023 roof, a gourmet kitchen with newer appliances, and thoughtfully designed upgrades throughout. Original floor plans are available, showcasing the home’s custom character and attention to detail.
Outdoors, the dock and boat lift are in place and equipped with electric and water, and will require repair following the storm, presenting an opportunity for the next owner to customize their waterfront setup. The property is also prepped for a pool, with electric and water connections already in place.
Whether entertaining guests or enjoying peaceful waterfront moments, this remarkable home offers endless possibilities in an unbeatable setting. Don’t miss the chance to own this exceptional riverfront retreat.

Features

  • Amenities: Other
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Style: 1 Story/Ranch
  • Development: PORT CHARLOTTE
  • Year Built: 2002
  • Garage: 2.00 Attached
  • Heating: Central Electric
  • Cooling: Ceiling Fans,Central Electric
  • Approx Sq. Feet: 2,800
  • Acreage: 0.31
  • Est. Taxes: $7,943
  • Lot Desc: Cul-De-Sac
  • View: River,Water
  • Community Type: Boating,Non-Gated
  • Water Front: Yes
  • Boat Access: Boat Lift,Concrete Dock,Elec Avail at dock,Water Avail at Dock
  • Pet Policy: No Approval Needed
  • MLS#: 225045220
  • Website: https://www.raveis.com
    /eprop/225045220/12439pratherave_portcharlotte_fl?source=qrflyer
Copyright © 2026  The source of this real property information is the copyrighted and proprietary database compilation of the Southwest Florida MLS organizations Copyright Southwest Florida MLS organizations. All rights reserved.
Courtesy of Sellstate Titanium Realty

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

12439 Prather AVE, Port Charlotte, FL, 33981

$999,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $799,200 $799,200 $799,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.875% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.154% 5.996% 5.932%
Monthly Tax Payment $662 $662 $662
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,538 $4,728 $6,637
Total Monthly Payment $5,292 $5,482 $7,391

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.