21064 HIGGS DRIVE, Port Charlotte, FL, 33952 | $350,000

TURNKEY WATERFRONT HOME WITH BONUS MOTHER-IN-LAW SUITE AND QUICK HARBOR ACCESS: Perfectly situated on an oversized, nearly 14, 000 square foot pie-shaped waterfront lot with approximately 148 feet of canal frontage and intersecting canal views, this move-in ready residence offers a rare blend of boating access, exceptional outdoor space, privacy, and flexible living options. Whether enjoyed as a single-family home, a multi-generational living setup, or an income-producing opportunity, this waterfront property delivers a unique lifestyle. Located just 0. 9 miles from Charlotte Harbor with only one high-clearance bridge, this home provides easy access to open water while maintaining a peaceful and private setting. Showcasing flexibility and opportunity, the property is divided into two living spaces. The main residence features three bedrooms, one bathroom, a large living room, open kitchen, interior laundry room and a bonus Florida room currently configured as a game room, creating additional living and entertaining space. This area is fully equipped with a foosball table, two stand-up arcade systems, a dartboard, and board games, making it ideal for gatherings or relaxed evenings at home. The additional separate mother-in-law suite with its own private entrance affords a studio-style space including a bedroom, full-size bathroom, kitchenette, dining area, living space, and its own laundry closet. The kitchenette is equipped with a range, refrigerator, and microwave. This setup is perfect for visiting guests, extended family, or as a separate rental opportunity. The suite also offers future potential to be reconnected to the main dwelling if desired and features a brand-new split unit air conditioning system. The outdoor living space is truly exceptional, offering a tranquil backyard designed to maximize the waterfront setting and privacy. Features include a large covered outdoor 12x27 tiki style gazebo with metal roof, outdoor grilling stations, a kayak launch, and two hot tubs—one located off the main residence and another on the mother-in-law suite porch. Mature trees enhance the natural setting, and a separate storage shed adds additional functionality. Offered fully furnished and turnkey, the home is ready for immediate use as a primary residence, second home, or rental investment. Recent updates include new washer/dryers (with 3 year warranties), flooring, interior paint, fixtures, 2025 water heater, and a fully updated electrical system with a new 200-amp service panel. This coveted location puts you minutes from boating, fishing, and water sports on Charlotte Harbor, with marinas nearby including Charlotte Harbor Yacht Club, Fishermen’s Village Marina, and Safe Harbor Burnt Store offering slip access and services. Explore local waterfront dining, shopping, and entertainment at Fishermen’s Village in Punta Gorda. For beach days, world-class sands like Englewood Beach, Stump Pass Beach State Park, Manasota Key, and Gasparilla Island State Park are a short scenic drive west, offering swimming, shelling, boating, and sunshine along the Gulf Coast. The area is also known for outstanding golf, premier fishing waters, and easy access to restaurants, shopping, and community amenities throughout Port Charlotte, Punta Gorda, and nearby coastal towns.

Features

  • Rooms: 5
  • Bedrooms: 4
  • Baths: 2 full
  • Lot Size: 148 x 125 x 70 x 154
  • Laundry: Inside, Laundry Closet
  • Style: Florida
  • Year Built: 1961
  • Garage: Driveway, Open
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,798
  • Acreage: 0.32
  • Lot Size: 148 x 125 x 70 x 154
  • Est. Taxes: $5,522
  • Lot Desc: FloodZone, In County, Landscaped, Oversized Lot
  • View: Trees/Woods, Water
  • Elem. School: Peace River Elementary
  • Middle School: Port Charlotte Middle
  • High School: Charlotte High
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
  • MLS#: N6142612
  • Days on Market: 7 days
  • Website: https://www.raveis.com
    /prop/N6142612/21064higgsdrive_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 5/29/2026 8:37:17 PM)
Listing courtesy of RE/MAX PALM REALTY   Phone: 941-743-5525

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NMLS Mortgage Loan Originator ID 16953

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21064 HIGGS DRIVE, Port Charlotte, FL, 33952

$350,000

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 $280,000 $280,000 $280,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $460 $460 $460
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,677 $1,747 $2,306
Total Monthly Payment $2,212 $2,282 $2,841

* 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.