1276 White Oak Trl #3, photo 1
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Overview

3 bd2 ba1,561 sqft2 car garageVilla
TypeVilla
HOANone listed
Built2003
Living area1,561 sqft
Price / sqft$198
Garage2 car

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About this home

Ceiling Fans(s)High CeilingsOpen FloorplanPrimary Bedroom Main FloorSplit BedroomThermostatTray Ceiling(s)Walk-in Closet(s)

1276 White Oak Trl #3 is a 2003-built home in Heritage Villas At Heritage Oa, Port Charlotte. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,561 square feet of living space. Listed at $309,000 (about $198/sqft), 49 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

REDUCED! Heritage Oak Park Villa is a rare find, with only 16 of its kind on this peaceful cul-de-sac. Enjoy a private wooded view from the screened lanai in this spacious 1,561 sq. ft. home featuring 3 bedrooms, 2 full baths, and a large 2-car garage. The open layout boasts a great room with tray ceiling, glass sliders to the lanai, and a kitchen perfect for entertaining, complete with a breakfast bar, raised panel cabinets, and stainless appliances, including a brand-new microwave and range. A roomy dining area and built-in desk space sit just off the kitchen. The master suite offers lanai access, a walk-in closet, built-in jewelry cabinet, and an ensuite bath with walk-in shower, dual sinks, private toilet area, walkin tub/shower and extra removable storage cabinet. The split floorplan provides two additional bedrooms and a second bath with a tub/shower combo. Additional perks include volume ceilings, tile throughout (carpet in the master), accordion hurricane shutters, custom top treatments on windows and slider, ceiling fans, new roof (2018), new A/C and heat (2020), and new water heater (2020). The garage is equipped with pull-down attic stairs, storage shelves, workbench, extra fridge, and a generator. Exterior maintenance is handled by the condo association, with low quarterly fees of $775. Heritage Oak Park is a vibrant gated community offering a clubhouse, heated pool, fitness center, tennis & pickleball courts, walking trails, and a full calendar of activities planned by an on-site director. Built around all the old oak trees, you feel like you are in the country, yet it is only walking distance of Publix, the YMCA, Charlotte County Library, and only a short drive to major shopping & restaurants!

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The essentials

Built
2003
Price / sqft
$198
On market
53 days
Annual tax
$4,542
Flood zone
X500 · Low risk
Type
Villa

At a glance

Villa
Built 2003
Water views
Trees/Woods
Community pool
Fitness center too
2 car garage
Driveway
1,561 sqft
Living area

Payment

Est. monthly payment
$2,145/mo
Down payment (20%)
$61,800
Property taxes
$379/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
2003
Lot
-
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Workshop in Garage
Days on Market
53
Ceiling Fans(s)
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Hurricane Shutters
Rain Gutters
Buyer Approval Required
Clubhouse
Community Mailbox
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Pool
Tennis Court(s)
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Ice Maker
Microwave
Range
Refrigerator
Washer
Elementary
Liberty Elementary
Middle
Murdock Middle
High
Port Charlotte High

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

Homestead exemption on file In a CDD (Community Development District) Flood Zone X500
Annual Tax (2025)
$4,542
Parcel #
402208651003

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
Heritage Villas At Heritage Oa
County
Charlotte
MLS Area
33948 - Port Charlotte
Lot Size
-
In CountyLandscapedStreet Dead-EndPaved

Price history

Date
Event
Price
10/7/2026
Price change
Source: Stellar MLS #C7529672
$309,000-6.3%
$198/sqft
8/17/2026
Listed for sale
Source: Stellar MLS #C7529672
$329,900
$211/sqft

Neighborhood

1276 White Oak Trl #3
Port Charlotte, FL, 33948 · 33948 - Port Charlotte

Market insights

Offer Insights

Choose an offer strength

List price: $309,000
$292,500 – $309,000
95% – 100% of listTops out right at the list price
80% of listList price
7 of the last 13 townhouse or villa closings in Port Charlotte landed at this number or higher (54%). The median one sat 47 days before it went under contract, and this one is on day 53 after a $20,900 cut.

Sample: 13 closed townhouse or villa sales in Port Charlotte over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A small sample in a thin market. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,145/mo
Principal & interest$1,612
Property taxes$379
Insurance$155
Down payment20% · $61,800
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

$309,000

$198 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,561 sq ft

Time on market

53 days

Year built

2003

Monthly payment

About $2,145/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,542 annual tax bill, insurance.

Flood zone

Zone X500

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

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Brokered byCOLDWELL BANKER SUNSTAR REALTYListing agent: Barb Mc HenryListing data from Stellar MLS, MLS# C7529672.

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