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21064 Higgs Dr, Pt Charlotte, FL, 33952

4beds
2baths
1,798sqft
$325,000
$181price/sqft
$2,587/moest. monthly cost
$103,480/yrincome needed

About This Home

TURNKEY WATERFRONT HOME WITH BONUS MOTHER-IN-LAW SUITE AND QUICK HARBOR ACCESS: Perfectly situated on an oversized, nearly 14,000 square foot pie-shaped waterfront lot with approximately 148 feet of canal frontage and intersecting canal views, this move-in ready residence offers a rare blend of boating access, exceptional outdoor space, privacy, and flexible living options. Whether enjoyed as a single-family home, a multi-generational living setup, or an income-producing opportunity, this waterfront property delivers a unique lifestyle. Located just 0.9 miles from Charlotte Harbor with only one high-clearance bridge, this home provides easy access to open water while maintaining a peaceful and private setting. Showcasing flexibility and opportunity, the property is divided into two living spaces. The main residence features three bedrooms, one bathroom, a large living room, open kitchen, interior laundry room and a bonus Florida room currently configured as a game room, creating additional living and entertaining space. This area is fully equipped with a foosball table, two stand-up arcade systems, a dartboard, and board games, making it ideal for gatherings or relaxed evenings at home. The additional separate mother-in-law suite with its own private entrance affords a studio-style space including a bedroom, full-size bathroom, kitchenette, dining area, living space, and its own laundry closet. The kitchenette is equipped with a range, refrigerator, and microwave. This setup is perfect for visiting guests, extended family, or as a separate rental opportunity. The suite also offers future potential to be reconnected to the main dwelling if desired and features a brand-new split unit air conditioning system. The outdoor living space is truly exceptional, offering a tranquil backyard designed to maximize the waterfront setting and privacy. Features include a large covered outdoor 12x27 tiki style gazebo with metal roof, outdoor grilling stations, a kayak launch, and two hot tubs—one located off the main residence and another on the mother-in-law suite porch. Mature trees enhance the natural setting, and a separate storage shed adds additional functionality. Offered fully furnished and turnkey, the home is ready for immediate use as a primary residence, second home, or rental investment. Recent updates include new washer/dryers (with 3 year warranties), flooring, interior paint, fixtures, 2025 water heater, and a fully updated electrical system with a new 200-amp service panel. This coveted location puts you minutes from boating, fishing, and water sports on Charlotte Harbor, with marinas nearby including Charlotte Harbor Yacht Club, Fishermen’s Village Marina, and Safe Harbor Burnt Store offering slip access and services. Explore local waterfront dining, shopping, and entertainment at Fishermen’s Village in Punta Gorda. For beach days, world-class sands like Englewood Beach, Stump Pass Beach State Park, Manasota Key, and Gasparilla Island State Park are a short scenic drive west, offering swimming, shelling, boating, and sunshine along the Gulf Coast. The area is also known for outstanding golf, premier fishing waters, and easy access to restaurants, shopping, and community amenities throughout Port Charlotte, Punta Gorda, and nearby coastal towns.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

4/10
7/10
4/10
Charlotte High SchoolGrades 9-125.2 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1961

Materials

  • Foundation: Slab
  • Roof: Built-Up
  • Construction materials: Block,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Refrigerator,Washer
  • Laundry features: Inside,Laundry Closet

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Cathedral Ceiling(s),Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,In-Law Floorplan
  • Door features: Outdoor Grill
  • Flooring: Brick/Stone,Carpet,Laminate,Tile,Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 2,098
  • Total interior livable area: 1,798 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: First

Property

Details

  • Parcel number: 402227106001
  • Zoning: RSF3.5
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Deck,Other,Patio
  • Exterior features: Courtyard,Lighting,Outdoor Grill,Storage
  • Has spa: Yes
  • Spa features: Above Ground,Heated
  • Fencing: Fenced,Wood
  • Has view: Yes
  • View description: Trees/Woods,Water,Canal
  • Has water view: Yes
  • Water view: Water,Canal
  • On waterfront: Yes
  • Waterfront features: Canal - Saltwater,Bay/Harbor Access,Saltwater Canal Access,Gulf/Ocean Access,Intracoastal Waterway Access,Bridges - Fixed,Seawall
  • Residential vegetation: Mature Landscaping,Trees/Landscaped

Lot

  • Lot size: 0.32 Acres
  • Features: FloodZone,In County,Landscaped,Oversized Lot
  • Lot size dimensions: 148 x 125 x 70 x 154

Parking

  • Parking features: Driveway,Open
  • 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
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal 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 $1,643$19,716
Home Insurance *$215$2,580
Property Taxes $532$6,384
Electricity $197$2,366
Total$2,587$31,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,697/yr
40% on housing$77,610/yr
45% on housing$68,986/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

$181This listing

vs Other Active Listings

Avg $/sqft

ZIP 33952$148
Charlotte County$200

vs Homes Sold Last Month

Median $/sqft

ZIP 33952$168
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
2026-01-30Listed for sale$350,000
2024-11-08Sold$130,000
2007-03-28Sold$100,000

For Sale by Agent

AgentMark Soravilla
BrokerageRE/MAX PALM REALTY

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