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13451 KAPLAN TERRACE, Port Charlotte, FL, 33981

4beds
2baths
1,630sqft
$290,000
$178price/sqft
$2,089/moest. monthly cost
$83,560/yrincome needed

About This Home

Brand-New Construction | Move-In Ready | Enhanced Well-Water Treatment System Welcome to this beautifully designed, brand-new home in the rapidly growing community of Port Charlotte, where modern comfort meets the relaxed Florida lifestyle. This 4-bedroom, 2-bathroom home with a 2-car garage offers the perfect combination of style, functionality, and peace of mind. Step inside to discover a bright, open-concept floor plan with luxury vinyl and tile flooring throughout, creating a clean, contemporary feel that is both elegant and easy to maintain. The spacious gourmet kitchen features granite countertops, modern finishes, and an open layout that makes entertaining family and guests effortless. One of the home's standout features is the recently installed well-water treatment system, an important added value in an area where well-water quality and discoloration can be a concern. The system is designed to treat the home's well water and significantly improve its clarity and appearance, helping eliminate the unpleasant discoloration often associated with well water in the area. A thoughtful upgrade that adds convenience and value from day one. Enjoy the freedom of NO HOA and NO CDD fees, giving you greater flexibility and helping keep your ownership costs down. Located in one of Southwest Florida's most desirable and fast-growing areas, Port Charlotte offers an appealing lifestyle surrounded by waterways, outdoor recreation, shopping, dining, and convenient access to the Gulf Coast. Brand-new construction, modern finishes, no HOA, no CDD, and an upgraded well-water treatment system—this home is truly move-in ready and offers exceptional value for today's Florida buyer? Schedule your private showing today and discover why so many are choosing to call Port Charlotte home!

Getting Around

29
WalkingCar-Dependent
0
TransitVery Limited Transit
58
BikeBikeable

Schools

6/10
7/10
5/10
Lemon Bay High SchoolGrades 9-126.5 mi

Construction

Condition

  • Property condition: Completed
  • New construction: Yes
  • Year built: 2024

Materials

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

Type & Style

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

Interior

Appliances

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

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor
  • Door features: Sliding Doors
  • Flooring: Laminate,Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,079
  • Total interior livable area: 1,630 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 412105457015
  • Zoning: RSF3.5
  • Special condition: None

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 10,000 sqft

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
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Inland Flooding
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 $1,466$17,592
Home Insurance *$134$1,608
Property Taxes $292$3,504
Electricity $197$2,366
Total$2,089$25,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,622/yr
40% on housing$62,670/yr
45% on housing$55,706/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

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 33981$240
Charlotte County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 33981$196
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
2026-02-24Price change$290,000
2025-12-01Price change$299,900
2025-11-06Listed for sale$313,900
2025-09-03Listing removed$315,000
2025-08-14Price change$315,000
2025-07-10Price change$320,000
2025-05-30Price change$325,000
2025-05-20Price change$330,000
2025-04-10Listed for sale$335,000
2025-02-11Listing removed$390,000
2024-12-18Price change$390,000
2024-11-30Price change$427,000
2024-08-21Listed for sale$447,000

New Construction

AgentYudelsi Vega Hernandez
BrokerageFRIENDS REALTY LLC

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