21098 Gephart Ave, photo 1
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Overview

3 bd2 ba1,371 sqftSingle Family
TypeSingle Family
HOANone listed
Built1960
Lot10,009 sqft
Living area1,371 sqft
Price / sqft$87

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About this home

Open FloorplanThermostatLightingPrivate MailboxPrivate YardDishwasherDryerElectric Water Heater

21098 Gephart Ave is a 1960-built home in Port Charlotte Sec 045, Port Charlotte. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,371 square feet of living space. Listed at $119,900 (about $87/sqft), 96 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Calling all investors, flippers, and savvy buyers looking for their next project! Opportunity awaits at 21098 Gephart Avenue in Port Charlotte. Situated on a desirable corner lot, this 3-bedroom, 2-bathroom home offers the perfect chance to add value and build equity. This handyman special is ready for a complete transformation and will require renovations including kitchen updates, flooring, interior paint, HVAC replacement, and additional improvements to bring it to its full potential. The property already offers several valuable features that can help reduce renovation costs, including a newer water heater, five hurricane impact windows installed in 2018, and a pantry in the kitchen providing additional storage space. Outdoor living areas include both a welcoming front porch and a side porch, creating multiple spaces for relaxation and entertaining once restored. Located in the heart of Port Charlotte, this property offers convenient access to US-41 (Tamiami Trail), Harbor Boulevard, Kings Highway, and Interstate 75, making commuting throughout Southwest Florida simple and convenient. Shopping and daily necessities are just minutes away with nearby Publix, ALDI, Walmart Supercenter, and numerous retail centers throughout Port Charlotte. Healthcare facilities are easily accessible, including ShorePoint Health Port Charlotte, providing comprehensive medical services to the area. For those seeking the Florida lifestyle, you'll enjoy being within a short drive of waterfront parks, fishing, boating, and some of Southwest Florida's most popular beaches, including Englewood Beach, Boca Grande, Manasota Key, and Venice Beach. The property is also conveniently located near Charlotte Harbor and numerous boat ramps for world-class boating and fishing opportunities. Travel is made easy with nearby airports including Punta Gorda Airport, offering direct flights to numerous destinations, while Southwest Florida International Airport is also within driving distance for expanded domestic and international travel options. Positioned between the growing communities of Punta Gorda, North Port, Englewood, and Venice, this property benefits from strong regional growth and continued demand for affordable housing and renovated homes. Whether you're looking for your next fix-and-flip project, rental investment, or a property to renovate and hold, this Port Charlotte opportunity offers tremendous upside potential for the right buyer willing to roll up their sleeves and bring their vision to life.

The essentials

Built
1960
Price / sqft
$87
On market
122 days
Annual tax
$1,882
Flood zone
X · Low risk
Lot
10,009 sqft
Type
Single Family Residence

At a glance

Single family
Built 1960
10,009 sqft lot
Lot size
1,371 sqft
Living area

Payment

Est. monthly payment
$842/mo
Down payment (20%)
$23,980
Property taxes
$157/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1960
Lot
10,009 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
122
Open Floorplan
Thermostat
Lighting
Private Mailbox
Private Yard
Dishwasher
Dryer
Electric Water Heater
Range
Washer
Flood Zone X
Annual Tax (2025)
$1,882
Parcel #
402215159005

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 045
County
Charlotte
MLS Area
33952 - Port Charlotte
Lot Size
10,009 sqft

Price history

Date
Event
Price
6/9/2026
Listed for sale
Source: Stellar MLS #C7527112
$119,900
$87/sqft

Neighborhood

21098 Gephart Ave
Port Charlotte, FL, 33952 · 33952 - Port Charlotte

Market insights

Offer Insights

Choose an offer strength

List price: $119,900
$118,000 – $119,900
98.4% – 100% of listTops out right at the list price
80% of listList price
157 of the last 312 home closings in 33952 landed at this number or higher (50%). The median one sat 53 days before it went under contract, and this one is on day 122.

Sample: 312 closed home sales in 33952 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$842/mo
Principal & interest$625
Property taxes$157
Insurance$60
Down payment20% · $23,980
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

$119,900

$87 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,371 sq ft

Time on market

122 days

Year built

1960

Monthly payment

About $842/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,882 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?

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Brokered byCENTURY 21 SUNBELT REALTYListing agent: Thomas SonsListing data from Stellar MLS, MLS# C7527112.

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