3450 BAY RIDGE WAY, Port Charlotte, FL, 33953 | $396,500

PRICE IMPROVEMENT for this Beautifully maintained 3 Bedroom, Bonus Room, Spilt floor plan, 2, 065 sq ft home with peaceful pond views, smart updates, impact Windows in bonus room and 2023 new roof, offering exceptional value in the Riverwood community. This move-in-ready residence features a bright, open layout with well-designed living spaces, a comfortable primary suite, a spacious great room, Spacious kitchen with abundant counter and cabinet space, ideal for everyday cooking and entertaining. The home provides low-maintenance living with no pool to upkeep, making it ideal for seasonal or full-time residents. Thoughtful improvements throughout enhance comfort, functionality, and long-term peace of mind.

A rare and highly desirable feature of this property is the TRANSFERABLE BEACH CLUB MEMBERSHIP. This exclusive membership conveys directly to the new buyer, allowing immediate access to the private beachfront facility on Manasota Key. With approximately 130 homeowners currently on the waitlist, this benefit provides significant value and convenience, offering private parking, beachfront amenities, and direct Gulf access from the day of closing.

The home’s pond setting creates a tranquil backdrop from the main living areas, adding privacy and a natural Florida feel. Additional highlights include generously sized guest rooms, flexible living spaces, and an easy-care exterior. The home’s layout supports both everyday living and entertaining, with ample natural light and comfortable flow throughout.

Located Port Charlotte, Fl within Riverwood’s award-winning gated community, residents enjoy access to a wide range of amenities including championship golf, pickleball, tennis, fitness center, resort-style pool, dog parks, walking trails, and a vibrant social calendar. Riverwood is known for its natural beauty, mature landscaping, and convenient location near Gulf Coast beaches, shopping, dining, Punta Gorda/Ft. Myers Airport and medical services.

With its NEW PRICE of $396, 500, transferable Beach Club membership, and serene pond views, this home presents an outstanding opportunity to enjoy the Riverwood lifestyle. Schedule your showing to experience the comfort, value, and amenities this property offers.

Features

  • Amenities: Gated, Playground, Recreation Facilities, Security, Tennis Court(s)
  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside
  • Style: Florida
  • Year Built: 1999
  • Garage: 2-car Garage Door Opener
  • Heating: Central
  • Cooling: Central Air, Humidity Control
  • Approx Sq. Feet: 2,065
  • Acreage: 0.25
  • Est. Taxes: $5,776
  • HOA Fee: $128 Monthly
  • Lot Desc: FloodZone, Level
  • View: Water
  • Elem. School: Liberty Elementary
  • Middle School: Murdock Middle
  • High School: Port Charlotte High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: D6143889
  • Days on Market: 232 days
  • Website: https://www.raveis.com
    /prop/D6143889/3450bayridgeway_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 5/31/2026 11:32:07 PM)
Listing courtesy of RIVERWOOD REALTY   Phone: 941-743-9663

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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:

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3450 BAY RIDGE WAY, Port Charlotte, FL, 33953

$396,500

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 $317,200 $317,200 $317,200
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 $481 $481 $481
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,900 $1,979 $2,613
Total Monthly Payment $2,456 $2,535 $3,169

* 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.