23191 RUBY, Port Charlotte, FL, 33952 | $509,900

This beautifully maintained 3-bedroom, 2-bath home features an open floor plan with vaulted ceilings and abundant natural light from an elegant skylight. A formal living room welcomes you, while the spacious family room flows seamlessly into the fully renovated kitchen (2017), complete with granite countertops, under-mount sink, tile backsplash, pendant and recessed lighting, extended breakfast bar, and built-in desk—perfect for everyday living and entertaining. The primary suite offers a peaceful retreat with a custom feature wall and private sliding door access to the patio, and the en-suite bath includes dual vanities and a dedicated makeup area. Secondary bedrooms provide flexibility for guests, a home office, or hobby space. Outdoor living truly shines with an oversized screened-in pool area accessible through extended sliders, a covered lanai ideal for relaxing or hosting gatherings, plus a gazebo and fire pit that create the perfect backyard retreat. AN ADDITIONAL BUILDABLE LOT is included, bringing the total property size to . 66 acres and offering added privacy or future possibilities (seller would consider a sale without this spare lot resulting in a lower sales price). Recent updates and upgrades include a new roof with impact-rated skylight (2021), Storm Smart impact windows and hurricane shutters, solar panels (reduce electricity costs and heat the pool), Pebble Tec pool resurfacing (2022), whole-house generator with underground propane tank (2023), full home re-pipe (2023), whole-house water filtration system, new water softener, new air conditioner, and a 190-ft well with fully automated Rainbird irrigation. This move-in-ready meticulously maintained home offers comfort, efficiency, and exceptional Florida living. NO HOA, restrictions, or flood insurance needed (FLOOD ZONE X)

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Ranch
  • Year Built: 1985
  • Garage: 2-car Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,992
  • Acreage: 0.67
  • Est. Taxes: $774
  • Lot Desc: Corner Lot
  • View: Trees/Woods
  • Elem. School: Kingsway
  • Pool: In Ground, Screen Enclosure, Solar Heat
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Refrigerator, Washer
  • MLS#: A4695646
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/A4695646/23191ruby_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 6/4/2026 6:27:52 AM)
Listing courtesy of RE/MAX Realty Group   Phone: 239-489-0444

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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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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

23191 RUBY, Port Charlotte, FL, 33952

$509,900

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 $407,920 $407,920 $407,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.628% 5.866%
Monthly Tax Payment $65 $65 $65
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,443 $2,576 $3,360
Total Monthly Payment $2,599 $2,732 $3,516

* 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.