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2109 La Palma Ave, Pt Charlotte, FL, 33953

4beds
2baths
2,161sqft
$375,000
$174price/sqft
$2,613/moest. monthly cost
$104,520/yrincome needed

About This Home

Welcome to your slice of Florida paradise in the lovely gated community of Villa Milano in Port Charlotte. Built in 2017, this beautifully maintained 4 bedroom, 2 bath home offers over 2100 square feet of thoughtfully designed living space with a relaxed coastal style and a peaceful, country-like setting. Step inside to discover a light-filled interior perfect for both everyday living and entertaining. The spacious layout flows seamlessly, while recent upgrades, including NEW IMPACT WINDOWS (2024) AND A NEW ROOF (2025) NEW DISHWASHER (2026) BEAUTIFUL LANDSCAPING (2026), providing peace of mind and modern comfort. Enjoy Florida living at its finest in the screened and covered lanai, ideal for morning coffee or evening gatherings. The fully fenced backyard offers privacy and room to relax, play or entertain. Additional highlights include a pavered driveway, 2 car garage and a location that keeps you close to shopping, dining, beaches and endless recreational activities. This home blends comfort, style and convenience, perfect for families. seasonal residents, or anyone looking to embrace the Florida lifestyle! Call for your appointment to view today!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Liberty Elementary SchoolGrades PK-55.6 mi
4/10
Murdock Middle SchoolGrades 6-82.3 mi
2/10

Construction

Condition

  • Property condition: Completed
  • Year built: 2017

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Oven,Cooktop,Dishwasher,Disposal,Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Washer Hookup

Bathroom2

  • Features: Exhaust Fan,Granite Counters,Shower No Tub,Single Vanity,Linen Closet
  • Level: First
  • Area: 45
  • Dimensions: 9x5

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 132
  • Dimensions: 12x11

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 132
  • Dimensions: 12x11

Bedroom4

  • Features: Built-in Closet
  • Level: First
  • Area: 130
  • Dimensions: 13x10

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Eating Space In Kitchen,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Split Bedroom,Stone Counters,Thermostat,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Window Treatments,Hurricane Shutters/Windows
  • Flooring: Tile

Foyer

  • Features: No Closet
  • Level: First
  • Area: 50
  • Dimensions: 10x5

Great Room

  • Features: No Closet
  • Level: First
  • Area: 285
  • Dimensions: 19x15

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,785
  • Total interior livable area: 2,161 sqft

Kitchen

  • Features: Pantry,Granite Counters,Kitchen Island,Storage Closet
  • Level: First
  • Area: 200
  • Dimensions: 20x10

Laundry

  • Features: No Closet
  • Level: First
  • Area: 60
  • Dimensions: 10x6

Primary Bathroom

  • Features: Dual Sinks,En Suite Bathroom,Exhaust Fan,Garden Bath,Granite Counters,Makeup/Vanity Space,Tub with Separate Shower Stall,Linen Closet
  • Level: First
  • Area: 140
  • Dimensions: 10x14

Primary Bedroom

  • Features: Bath With Whirlpool,Walk-In Closet(s)
  • Level: First
  • Area: 240
  • Dimensions: 16x15

Property

Details

  • Parcel number: 402115132004
  • Zoning: RSF3.5
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Enclosed,Patio,Screened
  • Exterior features: Irrigation System,Sidewalk
  • Fencing: Fenced,Vinyl
  • Residential vegetation: Mature Landscaping

Lot

  • Lot size: 6,500 sqft
  • Features: FloodZone,In County,Landscaped,Sidewalk
  • Lot size dimensions: 52' x 125'

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    HurricaneVery High
  • Lightning
    LightningVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
Strong Wind
Tornado
Wildfire
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 $1,896$22,752
Home Insurance *$179$2,148
Property Taxes $321$3,852
Electricity $217$2,609
Total$2,613$31,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,588/yr
40% on housing$78,390/yr
45% on housing$69,680/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

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 33953$174
Charlotte County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 33953$169
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)

No zestimate history available

Price History

DateEventPrice
2026-05-06Price change$375,000
2026-04-28Price change$379,000
2026-04-13Price change$389,900
2026-03-20Listed for sale$399,900
2023-08-28Sold$438,000
2023-07-26Pending sale$449,900
2023-07-09Price change$449,900
2023-06-24Price change$459,900
2023-06-12Price change$479,900
2023-06-04Listed for sale$499,900
2006-09-20Sold$62,000

For Sale by Agent

AgentPam Copeland
BrokerageBERKSHIRE HATHAWAY HOMESERVICES FLORIDA REALTY

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