4056 GINGOLD STREET, Port Charlotte, FL, 33948 | $489,400

MORNING COFFEE IN THE SUNROOM. EVENINGS SURROUNDED BY TROPICAL GREENERY. A HOME WITH ROOM TO GROW.

Tucked away on a rare double lot in the heart of Port Charlotte, this unique 4BR + Den, 3BA home offers over 4, 000 square feet of functional interior living space, including a permitted 675-square-foot enclosed sunroom that was formerly a screened lanai. The result is an expansive floor plan with flexibility for multigenerational living, extended stays, hobbies, entertaining, or simply spreading out and enjoying life.

Significant recent improvements have already been completed, including a 2025 metal roof, 2025 HVAC system, 2025 whole-house repipe, and a permitted enclosed sunroom conversion that transformed the former screened lanai into valuable additional living space (per seller and permits), allowing the next owner to focus less on major projects and more on enjoying their new home. Distinctive architectural details, soaring ceilings, arched windows, and custom design elements create a home unlike today’s typical cookie-cutter floor plans. Inside, you’ll find generously sized living areas, two primary suites, abundant natural light, and a layout designed for comfortable everyday living. Whether accommodating extended family, guests, hobbies, a home office, or simply a desire for more room to spread out, the flexible floor plan offers options rarely found at this price point.

Step outside and you’ll discover what was once envisioned as a tropical garden retreat. Mature landscaping, winding pathways, trellises, garden structures, and multiple outdoor gathering spaces create a setting unlike the typical Florida backyard. While portions of the landscape would benefit from TLC and restoration, the framework for an extraordinary outdoor oasis is already in place. Whether you dream of restoring the original vision, creating a gardener’s paradise, or designing your own personal sanctuary, the possibilities are truly endless.

Conveniently located near Charlotte Beach Park, public boat ramps, waterfront parks, fishing, dining, shopping, medical facilities, Sunseeker Resort, and the vibrant Punta Gorda area, you’ll enjoy easy access to the Southwest Florida lifestyle so many dream about. Spend the day exploring Charlotte Harbor, enjoy waterfront dining at sunset, or simply come home and relax beneath the shade of mature palms in your own slice of Southwest Florida paradise.

With over 4, 000 square feet of functional interior space, two primary suites, major recent system updates, and a rare double-lot setting, this is more than just a home—it’s an opportunity to create something truly special.

Features

  • Rooms: 12
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Year Built: 1992
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air, Wall/Window Unit(s)
  • Approx Sq. Feet: 4,060
  • Acreage: 0.47
  • Est. Taxes: $4,337
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: C7527042
  • Days on Market: 32 days
  • Website: https://www.raveis.com
    /prop/C7527042/4056gingoldstreet_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 7/12/2026 10:32:09 PM)
Listing courtesy of COLDWELL BANKER REALTY   Phone: 941-639-0090

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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.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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4056 GINGOLD STREET, Port Charlotte, FL, 33948

$489,400

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 $391,520 $391,520 $391,520
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% 6.640% 5.972%
Monthly Tax Payment $361 $361 $361
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,379 $2,472 $3,251
Total Monthly Payment $2,815 $2,908 $3,687

* 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.