1889 SADDLEWOOD CIRCLE, Port Charlotte, FL, 33953 | $430,000

Take advantage of this incredible home, fully furnished with lakefront views — located in Flood Zone X (NO flood insurance required) and offering NO CDD fees, saving you over $3, 000/year compared to many nearby communities! This is a true value: lower annual costs, lower insurance expenses, and move-in-ready convenience. With LOW HOA fees, you’ll enjoy maintenance-free living in a gated community where the HOA covers lawn care and irrigation — plus cable, high-speed internet, a heated resort-style pool, pickleball courts, and a fitness center. Perfect as a seasonal escape or your forever residence, this home is tucked away on one of the quietest streets in the neighborhood. Unwind on your private lanai with stunning lake views, peaceful birdwatching, and breathtaking sunsets.
This move-in ready 3-bedroom + bonus room (ideal 4th bedroom) home with 3 full baths has been meticulously maintained and shows like new. Featuring tile flooring throughout, a spacious welcoming entry, and a bright open-concept design, this home offers both comfort and functionality. The kitchen blends style and practicality with a large island with seating, granite countertops, stainless steel appliances, and a dedicated coffee bar. Thoughtfully selected light fixtures, blinds, and curtains are all included — making this truly turnkey. Expansive 8-foot sliding glass doors open to the lanai, creating seamless indoor-outdoor living and the perfect backdrop for tranquil lake views and glowing sunsets. The private primary suite is tucked away for maximum comfort and features a beautifully appointed en-suite bath. A separate laundry room adds everyday convenience. Ideally situated near shopping, dining, and the Gulf beaches, this newer, spacious home delivers the best of Florida living. With no known defects or deferred maintenance, it stands out as one of the best value opportunities for its size and age in the area. Perfect for full-time living or a seasonal retreat — this is a must-see. *Furniture is available separately and consists of all new or newer pieces. This combination of savings and lifestyle is rare — schedule your showing before it’s gone!

Features

  • Amenities: Cable TV, Clubhouse, Fitness Center, Gated, Pickleball Court(s), Pool
  • Rooms: 10
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Laundry Room
  • Year Built: 2022
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,217
  • Acreage: 0.16
  • Est. Taxes: $5,182
  • HOA Fee: $796 Quarterly
  • Elem. School: Liberty Elementary
  • Middle School: Murdock Middle
  • High School: Port Charlotte High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
  • MLS#: A4677520
  • Days on Market: 133 days
  • Website: https://www.raveis.com
    /prop/A4677520/1889saddlewoodcircle_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 5/27/2026 10:34:20 AM)
Listing courtesy of Realty Hub   Phone: 407-900-1001

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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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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

1889 SADDLEWOOD CIRCLE, Port Charlotte, FL, 33953

$430,000

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 $344,000 $344,000 $344,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.628% 5.933%
Monthly Tax Payment $432 $432 $432
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,090 $2,172 $2,857
Total Monthly Payment $2,597 $2,679 $3,364

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.