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105 Ponoka St, Port Charlotte, FL, 33954

4beds
2baths
1,636sqft
$280,000
$171price/sqft
$2,059/moest. monthly cost
$82,360/yrincome needed

About This Home

Under Construction. Opportunity to complete this 4-bedroom, 2-bathroom single-family home currently under construction. The property is being sold as-is, with construction partially completed. Some improvements remain unfinished, including the kitchen and driveway, offering buyers the opportunity to finish the home and customize the final details. The home features a desirable open floor plan with spacious living areas, laminate flooring, and a double-car garage. A large patio provides additional outdoor living space, perfect for enjoying Florida’s year-round sunshine. Located in a growing Port Charlotte community, this property offers convenient access to shopping, dining, golf courses, parks, and outdoor recreation. The area is well known for its boating, fishing, and proximity to Gulf Coast beaches. This is a great opportunity for investors, builders, or buyers looking to complete a nearly finished home at an attractive price in Southwest Florida.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
Liberty Elementary SchoolGrades PK-50.6 mi
4/10
Murdock Middle SchoolGrades 6-83.9 mi
2/10

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Other

  • Builder model: Model 1636
  • Builder name: Ameristar Group INC

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Laundry Closet

Bathroom2

  • Level: First

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedroom3

  • Features: Built-in Closet
  • Level: First

Bedroom4

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Other
  • Flooring: Laminate

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,079
  • Total interior livable area: 1,636 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: First

Property

Details

  • Parcel number: 402204232017
  • Zoning: RSF3.5
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Private Mailbox

Lot

  • Lot size: 10,000 sqft
  • Lot size dimensions: 80 x 125

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tsunami

FEMA Declared Disasters in Charlotte County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,415$16,980
Home Insurance *$251$3,012
Property Taxes $196$2,352
Electricity $197$2,366
Total$2,059$24,708
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,594/yr
40% on housing$61,770/yr
45% on housing$54,906/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.9%
13.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.7%
4.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$171This listing

vs Other Active Listings

Avg $/sqft

ZIP 33954$156
Charlotte County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 33954$187
Charlotte County$188

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-10Listed for sale$280,000
2026-02-02Listing removed$305,000
2025-10-28Listed for sale$305,000
2022-02-23Sold$28,000
2013-02-25Sold$4,900
2005-05-06Sold$26,900

Pre-Foreclosure - New Construction

AgentAdan Ordonez
BrokerageADAN INVESTMENTS REAL ESTATE GROUP, PLLC

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