20430 SAPLING AVENUE, Port Charlotte, FL, 33952 | $339,000

Under contract-accepting backup offers. FULLY REMODELED from top to bottom, this exceptional Port Charlotte home offers a seamless blend of modern design, quality craftsmanship, and everyday functionality. NO FLOOD INSURANCE and NO HOA required for this home. Inside, HIGH CEILINGS and LED LIGHTING THROUGHOUT create a bright, open atmosphere, while the thoughtfully redesigned kitchen serves as a true centerpiece featuring QUARTZ COUNTERTOPS WITH WATERFALL EDGE and QUARTZ BACKSPLASH, paired with BRAND-NEW STAINLESS STEEL APPLIANCES.
Designed for Florida living, the outdoor space features a HEATED SALTWATER POOL surrounded by attractive deck pavers, perfect for relaxing or entertaining year-round. The FULLY FENCED YARD provides privacy and space, complemented by an 11x15 LOFTED SHED WITH ROLL-DOWN DOOR, ideal for storage, a workshop, or additional recreational use. An OUTDOOR SHOWER adds convenience after pool or beach days.
Major system upgrades include a ROOF REPLACED IN 2023 and a TANKLESS WATER HEATER, offering both efficiency and peace of mind. The PRIMARY SUITE is a private retreat highlighted by a MASSIVE WALK-IN SHOWER with DUAL SHOWER HEADS, including a RAIN SHOWER FEATURE for a spa-like experience.
The laundry room includes a BONUS CLOSET that can easily be converted into a BUTLER’S PANTRY or additional storage, adding flexibility to the floor plan. Ideally located close to local shopping and dining, downtown Punta Gorda, I-75, local schools, and the BEAUTIFUL GULF BEACHES, this move-in-ready home delivers modern comfort in a highly convenient location that will give you peace of mind for many years to come.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 80 x 125
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 1993
  • Garage: 2-car Driveway
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,899
  • Acreage: 0.23
  • Lot Size: 80 x 125
  • Est. Taxes: $3,570
  • Lot Desc: Landscaped
  • View: Pool
  • Elem. School: Liberty Elementary
  • Middle School: Port Charlotte Middle
  • High School: Port Charlotte High
  • Pool: Heated, In Ground, Salt Water, Screen Enclosure
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Microwave, Range, Refrigerator, Tankless Water Heater
  • MLS#: C7519133
  • Days on Market: 15 days
  • Website: https://www.raveis.com
    /prop/C7519133/20430saplingavenue_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 1/12/2026 3:22:35 AM)
Listing courtesy of KW PEACE RIVER PARTNERS   Phone: 941-875-9060

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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
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Our Insurance Division:

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20430 SAPLING AVENUE, Port Charlotte, FL, 33952

$339,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $271,200 $271,200 $271,200
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% 6.132% 5.415%
Monthly Tax Payment $298 $298 $298
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,540 $1,624 $2,162
Total Monthly Payment $1,913 $1,997 $2,535

* 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.