23530 Clay Ave, photo 1
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Overview

3 bd2 ba1,812 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1995
Lot9,862 sqft
Living area1,812 sqft
Price / sqft$218
Garage2 car

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About this home

Ceiling Fans(s)High CeilingsPrimary Bedroom Main FloorSplit BedroomStone CountersThermostatVaulted Ceiling(s)Walk-in Closet(s)

23530 Clay Ave is a 1995-built home in Port Charlotte Sec 015, Port Charlotte. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,812 square feet of living space. Listed at $395,000 (about $218/sqft), 80 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to 23530 Clay in Port Charlotte, Florida, where comfort meets the Florida lifestyle.This lovingly, well-maintained 3-bedroom pool home offers a spacious split floor plan with high ceilings and abundant natural light, creating a bright and inviting atmosphere throughout. Sliding glass doors open to your private pool oasis with a screened lanai—perfect for relaxing, entertaining, and enjoying outdoor living year-round.The backyard features a large storage shed, providing extra space for storage or hobbies. Inside, the bedrooms showcase upgraded laminate flooring for a clean, modern touch. A side-loading two-car garage enhances curb appeal while adding everyday convenience. Ideally located with easy access to parks, shopping, dining, and the interstate, this home makes daily living simple and accessible. Spend your days soaking up the Florida sunshine, hosting poolside gatherings, or taking a short drive to nearby Gulf beaches with beautiful sandy shores and sunsets.

The essentials

Built
1995
Price / sqft
$218
On market
163 days
Annual tax
$5,293
Flood zone
X · Low risk
Lot
9,862 sqft
Type
Single Family Residence

At a glance

Single family
Built 1995
Private pool
In Ground
2 car garage
Driveway
9,862 sqft lot
Lot size
1,812 sqft
Living area

Payment

Est. monthly payment
$2,699/mo
Down payment (20%)
$79,000
Property taxes
$441/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1995
Lot
9,862 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Garage Faces Side
Pool
In Ground, Screen Enclosure
Days on Market
163
Ceiling Fans(s)
High Ceilings
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Yard
Sliding Doors
Built-in Oven
Dishwasher
Dryer
Electric Water Heater
Microwave
Refrigerator
Washer
Elementary
Kingsway
Middle
Port Charlotte Middle
High
Port Charlotte High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,293
Parcel #
402201281009

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Port Charlotte Sec 015
County
Charlotte
MLS Area
33954 - Port Charlotte
Lot Size
9,862 sqft
Corner LotCity Limits

Price history

Date
Event
Price
7/23/2026
Price change
Source: Stellar MLS #A4692369
$395,000-1.2%
$218/sqft
4/29/2026
Listed for sale
Source: Stellar MLS #A4692369
$400,000
$221/sqft

Neighborhood

23530 Clay Ave
Port Charlotte, FL, 33954 · 33954 - Port Charlotte

Market insights

Offer Insights

Choose an offer strength

List price: $395,000
$387,500 – $395,000
97.8% – 100% of listTops out right at the list price
80% of listList price
115 of the last 228 home closings in 33954 landed at this number or higher (50%). The median one sat 50 days before it went under contract, and this one is on day 163 after a $5,000 cut.

Sample: 228 closed home sales in 33954 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,699/mo
Principal & interest$2,060
Property taxes$441
Insurance$198
Down payment20% · $79,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$395,000

$218 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,812 sq ft

Time on market

163 days

Year built

1995

Monthly payment

About $2,699/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,293 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byHUNT BROTHERS REALTY, INC.Listing agent: Jennifer AlbrightListing data from Stellar MLS, MLS# A4692369.

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