14418 Stephens Rd, Pt Charlotte, FL, 33953
About This Home
Possible seller financing - 25% down—terms negotiable!! Built in 2020 and offered fully furnished, this like-new home is located in the heart of El Jobean with no HOA, making it ideal for full-time living, a seasonal retreat, or a high-demand investment property. Situated on Florida’s desirable West Coast, the property is just minutes from world-class fishing, boating, Charlotte Harbor, the Intracoastal Waterway, and the Gulf of Mexico, with a public boat ramp less than five minutes away. The home features an attached deck perfect for morning coffee or evening relaxation, a backyard fire pit for entertaining, and a turnkey setup ready for immediate use. Conveniently located near beaches, restaurants, and shopping, this property offers flexible ownership options and strong rental potential, including VRBO. A rare opportunity for coastal living with seller financing available.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Completed
- Year built: 2020
Materials
- Foundation: Crawlspace,Pillar/Post/Pier
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: MobileManufactured
- Architectural style: Contemporary,Cottage
- Property subType: Manufactured Home,Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,Range,Refrigerator,Washer
- Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Washer Hookup
Balcony Porch Lanai
- Level: First
- Area: 246.5
- Dimensions: 17x14.5
Bathroom1
- Level: First
- Area: 65.25
- Dimensions: 14.5x4.5
Bedroom2
- Features: Built-in Closet
- Level: First
- Area: 152.25
- Dimensions: 14.5x10.5
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Ceiling Fan(s)
- Window features: Blinds
- Flooring: Luxury Vinyl
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 990
- Total interior livable area: 990 sqft
Kitchen
- Level: First
- Area: 166.75
- Dimensions: 14.5x11.5
Living Room
- Level: First
- Area: 188.5
- Dimensions: 14.5x13
Primary Bedroom
- Features: Built-in Closet
- Level: First
- Area: 159.5
- Dimensions: 14.5x11
Property
Details
- Parcel number: 402128431011
- Zoning: MHC
- Special condition: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch,Rear Porch
- Exterior features: Fire Pit,Private Mailbox,Private Yard,Rain Gutters
- Residential vegetation: Trees/Landscaped
Lot
- Lot size: 9,999 sqft
- Features: FloodZone,Landscaped,Near Marina
- Lot size dimensions: 50 x 100
Parking
- Parking features: Boat,Driveway,Golf Cart Parking,Off Street,RV Access/Parking
- 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
- Lightning
- Coastal Flooding
- Inland Flooding
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Charlotte County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,061 | $12,732 |
| Home Insurance * | $100 | $1,200 |
| Property Taxes | $147 | $1,764 |
| Electricity | $197 | $2,366 |
| Total | $1,505 | $18,060 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-02 | Price change | $210,000 |
| 2026-02-10 | Price change | $239,000 |
| 2025-12-01 | Listed for sale | $249,000 |
| 2024-07-11 | Listing removed | $299,000 |
| 2024-01-12 | Price change | $299,000 |
| 2023-07-19 | Listed for sale | $325,000 |
| 2019-12-19 | Sold | $16,500 |
| 2019-12-12 | Pending sale | $20,000 |
| 2019-12-06 | Listed for sale | $20,000 |
| 2016-03-15 | Sold | $10,000 |
| 2003-10-22 | Sold | $3,800 |
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