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Along the tranquil banks of Shell Creek sits a piece of classic Old Florida charm. This historic 1940 Florida Cracker–style home offers 200 feet of waterfront and sweeping, unobstructed views across protected wetlands that ensure your peaceful natural scenery will remain untouched. From here, the waterway flows into the Peace River and onward to Charlotte Harbor, offering navigable access to the Gulf for boating, fishing, and exploring Southwest Florida’s waterways. Inside, the home reflects the craftsmanship of another era, with hardwood floors and walls and original rooms finished in beautiful magnolia wood paneling and ceilings. The house does need some exterior attention, but the charm and authenticity are undeniable. With a little care and vision, it could be restored into a beautiful showcase of classic Florida character or comfortably enjoyed while you plan future improvements. The property itself offers exceptional flexibility and potential. Sitting on almost . 89 acres, there is room to create additional cabins along the waterfront or potentially split the property, making it ideal for a private compound, guest cottages, or vacation rental opportunities such as VRBO. With no HOA, you have the freedom to live here full time, enjoy it seasonally, or shape the property into a peaceful waterfront retreat. A separate shed provides ample room for storage, perfect for tools, outdoor equipment, or boating and fishing gear. The grounds reflect the beauty of natural Florida, shaded by mature oak trees and graceful palms, with distinctive touches such as a bullhorn acacia, orchid tree, and sea grape adding character to the landscape. Fragrant night-blooming jasmine and mock jasmine hedges fill the air in the evenings, while crepe myrtle and bird of paradise bring color throughout the seasons. Vines like bleeding heart and passion fruit weave through the garden, creating a lush, relaxed property. It is the kind of setting where mornings begin with birds over the creek, afternoons drift by with a breeze off the water, and evenings bring quiet sunsets over the wetlands. If you appreciate nature, peace, and the slower rhythm of waterfront life, this property offers a rare opportunity. With its historic charm, remarkable views, and room to create something special, this is a place where old Florida still lives and the possibilities are as open as the water beyond your backyard.
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RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $463,200 | $463,200 | $463,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.250% | 5.490% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.313% | 6.398% | 5.710% |
| Monthly Tax Payment | $206 | $206 | $206 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,740 | $2,852 | $3,782 |
| Total Monthly Payment | $3,038 | $3,150 | $4,080 |
* 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.