245 STEBBINS TERRACE, Port Charlotte, FL, 33952 | $550,000

Priced Reduced! Discover the ultimate waterfront lifestyle in this impeccably maintained 3-bedroom, 2-bath, 2, 063 sq ft sailboat-water pool home in Port Charlotte, Florida, with no bridges providing direct Gulf access to Charlotte Harbor in just 4. 5 minutes. Situated on an oversized 100x125 waterfront lot, this move-in-ready residence features a private 50-ft concrete dock, 10, 000 lb boat lift, and quick deep-water canal access—perfect for boating and fishing enthusiasts. Bright, open-concept living flows seamlessly through French doors and triple sliders from the living room, gourmet kitchen, and luxurious primary suite to the expansive screened lanai with sparkling 28x18 heated swimming pool. The spa-like primary bath features a glass-enclosed Mr. Steam shower, a dual-sink granite vanity, and a smart toilet with a bidet. Additional highlights include an attached 2-car garage and a 2-car carport. Serene canal views from multiple rooms, a completely covered outdoor entertaining area, and a newer roof (2023) for peace of mind. Conveniently located minutes from the Port Charlotte Beach Park, Sunseeker Resort, Downtown Punta Gorda, shopping, dining, and entertainment, and world-class tarpon fishing, this rare no-bridge waterfront pool home with exceptional dockage delivers true Southwest Florida living at its finest. Schedule your private showing today—this gem won’t last long!

Features

  • Rooms: 13
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 100 x 125
  • Laundry: In Garage
  • Style: Florida
  • Year Built: 1972
  • Garage: 2-car Covered, Driveway, Garage Door Opener, Off Street
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,063
  • Acreage: 0.29
  • Lot Size: 100 x 125
  • Est. Taxes: $874
  • Lot Desc: In County, Landscaped
  • View: Pool, Water
  • Elem. School: Peace River Elementary
  • Middle School: Port Charlotte Middle
  • High School: Charlotte High
  • Pool: Gunite, In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: C7517865
  • Days on Market: 53 days
  • Website: https://www.raveis.com
    /prop/C7517865/245stebbinsterrace_portcharlotte_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/15/2026 11:40:31 PM)

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Kevin DeTullioVP, Mortgage Banker / Production Manager, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1724767

203.305.5736

Kevin.DeTullio@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!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Brian SkellyVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 793093

203.415.2989

Brian.Skelly@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!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Diane PadelliInsurance Sales Director, William Raveis Insurance

203.444.0494

Diane.Padelli@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

245 STEBBINS TERRACE, Port Charlotte, FL, 33952

$550,000

The One Team

Sales Associates

William Raveis Real Estate

Phone: 860.850.0500

OneandCompany@raveis.com

Kevin DeTullio

VP, Mortgage Banker / Production Manager

William Raveis Mortgage, LLC

Phone: 203.305.5736

Kevin.DeTullio@Raveis.com

NMLS Mortgage Loan Originator ID 1724767

Brian Skelly

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.415.2989

Brian.Skelly@raveis.com

NMLS Mortgage Loan Originator ID 793093

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $440,000 $440,000 $440,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.156% 5.396%
Monthly Tax Payment $73 $73 $73
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,498 $2,635 $3,508
Total Monthly Payment $2,663 $2,800 $3,673

* 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.