15548 Ruston CIR, Pt Charlotte, FL, 33981
About This Home
This beautiful waterfront home in Port Charlotte offers the lifestyle so many buyers in the North dream of. Wake up to warm days, stunning sunsets, and the calm of coastal living—where life feels lighter, easier, and truly enjoyable. Built in 2026, the home features 4 bedrooms, 4 full bathrooms, and a den/home office, along with an open living area designed for comfort and elegance. Step outside to a spectacular pool, spacious deck, and private boat lift, with quick access to open waters—perfect for enjoying the Florida boating lifestyle. Southwest Florida is more than a destination; it’s a way of life. Whether as a primary residence or a second home, this property offers modern luxury, tranquility, and the everyday beauty of living in the Sunshine State.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- New construction: Yes
- Year built: 2026
Materials
- Foundation: Concrete Block
- Roof: Shingle
- Construction materials: Block,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator/Icemaker,Self Cleaning Oven,Washer,Wine Cooler
- Laundry features: Inside
Bedroom
- Features: Split Bedrooms
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 4
Dining Room
- Features: Breakfast Bar, Dining - Family
Features
- Custom Mirrors,Foyer,Pantry,Smoke Detectors,Den - Study,Laundry in Residence,Screened Lanai/Porch
- Window features: Impact Resistant Windows
- Flooring: Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 3,570
- Total interior livable area: 2,637 sqft
Kitchen
- Features: Pantry
Property
Features
- Stories: 1
- Private pool: Yes
- Pool features: Concrete
- Patio & porch: Deck,Patio,Screened Lanai/Porch
- Exterior features: Dock,Outdoor Kitchen,Boat Lift
- Has view: Yes
- View description: Canal,Water
- Has water view: Yes
- Water view: Canal,Water
- On waterfront: Yes
- Waterfront features: Canal Front,Seawall
Lot
- Lot size: 10,018 sqft
- Features: Regular
Parking
- Total spaces: 6
- Parking features: Driveway,Attached,Detached Carport
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 6
- Has uncovered spaces: Yes
- Carport: Yes
- Carport spaces: 3
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
- Wildfire
- 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 | $6,699 | $80,388 |
| Home Insurance * | $616 | $7,392 |
| Property Taxes | $927 | $11,124 |
| Electricity | $265 | $3,184 |
| Total | $8,507 | $102,084 |
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 |
|---|---|---|
| 2026-03-02 | Listed for sale | $1,325,000 |
| 2026-02-12 | Pending sale | $1,325,000 |
| 2026-02-12 | Listed for sale | $1,325,000 |
| 2023-08-09 | Sold | $175,000 |
| 2023-06-26 | Pending sale | $194,000 |
| 2023-05-31 | Listed for sale | $194,000 |
| 2023-05-01 | Pending sale | $194,000 |
| 2023-02-21 | Price change | $194,000 |
| 2023-01-18 | Listed for sale | $199,900 |
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