Homes for Sale Under $300K in Port Charlotte, FL
This page tracks every Port Charlotte listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
276 homes listed under $300,000 are for sale or pending in Port Charlotte, FL today across 127 communities. The median asking price is $170,000, from $35,000 to $299,999. Listings in Port Charlotte without that feature have a median of $395,777. Most listings right now: Maple Leaf Estates (49), Cove At West Port (12), Oaks 04 (10). Updated October 2, 2026 from the MLS.
First-time buyers: what Port Charlotte costs at the entry level
141 active single-family homes, townhomes and condos at or below $300,000 — median $150,000, about $943/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in Port Charlotte
What the payment looks like
| Purchase price | P&I at 6.95%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $150,000 | $943 | $794 | $12,000 |
| $200,000 | $1,258 | $1,059 | $16,000 |
| $250,000 | $1,572 | $1,324 | $20,000 |
| $300,000 | $1,887 | $1,589 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
Down-payment assistance in Charlotte County · First-time buyer guide
Port Charlotte homes under $300K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most homes under $300K listed are tabled; the rest follow.
| Community | Homes Under $300K | New build | Median list | From |
|---|---|---|---|---|
| Maple Leaf Estates | 49 | 0 | $165,000 | $86,900 |
| Cove At West Port | 12 | 12 | $297,187 | $269,999 |
| Oaks 04 | 10 | 0 | $149,250 | $108,000 |
| Port Charlotte Village | 9 | 0 | $165,000 | $128,000 |
| Oak Forrest | 9 | 0 | $119,000 | $110,000 |
| Maria Manor | 8 | 0 | $106,450 | $59,900 |
| Oaks 03 | 7 | 0 | $127,000 | $99,900 |
| Promenades West | 6 | 0 | $120,250 | $89,900 |
| Promenades East | 5 | 0 | $139,900 | $125,000 |
| Palms/West Port | 4 | 0 | $264,950 | $251,500 |
| Cove/West Port Ph 1B | 4 | 0 | $257,500 | $245,000 |
| Port Charlotte Sec 51 01 | 4 | 0 | $186,944 | $155,000 |
| Bimini Bay Club | 4 | 0 | $132,000 | $113,500 |
| Mary Lu Mhp | 4 | 0 | $69,700 | $35,000 |
| Heritage Oak Park | 3 | 0 | $260,000 | $259,900 |
| Port Charlotte Golf Crse Sec | 3 | 0 | $250,000 | $240,000 |
| Port Charlotte Sec 96 02 | 3 | 1 | $239,950 | $189,000 |
| Cambridge House | 3 | 0 | $115,000 | $87,000 |
| Raleigh House | 3 | 0 | $80,000 | $79,900 |
| Cove/West Port Ph 2 & 3 | 2 | 0 | $294,687 | $290,000 |
| Port Charlotte Sec65 | 2 | 2 | $294,499 | $289,499 |
| Driftwood Bay | 2 | 2 | $284,999 | $279,999 |
| Palms/West Port 1A | 2 | 1 | $284,500 | $270,000 |
| Port Charlotte Sec51 | 2 | 2 | $271,000 | $248,000 |
| Suncoast Lakes | 2 | 0 | $262,500 | $230,000 |
| Heritage Oak Park 04 | 2 | 0 | $252,450 | $239,900 |
| Heritage Oak Park Waters Edge | 2 | 0 | $227,450 | $205,000 |
| Harbour Village Ph 03 | 2 | 0 | $199,700 | $99,500 |
| Tarpon Bay Ph 03 Bldg B | 2 | 0 | $165,000 | $150,000 |
| Port Charlotte Sec 11 Rev | 2 | 0 | $154,950 | $149,900 |
| Beulah Condo Ph 01 | 2 | 0 | $134,500 | $80,000 |
| Sunrise Towers Ph 01 | 2 | 0 | $127,500 | $110,000 |
| Oaks Iv | 2 | 0 | $121,950 | $120,000 |
| Chelsea House | 2 | 0 | $105,500 | $95,000 |
| El Jobean Ward 01 | 2 | 0 | $103,800 | $49,900 |
| Essex House | 2 | 0 | $99,250 | $99,000 |
| Edgewater Village | 2 | 0 | $97,400 | $84,900 |
| Port Charlotte Sec 013 | 1 | 0 | $299,900 | $299,900 |
| Port Charlotte Golf Crse Sec A | 1 | 0 | $299,500 | $299,500 |
| Biscayne Lndg | 1 | 0 | $299,500 | $299,500 |
| Port Charlotte Sec27 | 1 | 1 | $299,499 | $299,499 |
| Port Charlotte Sec34 | 1 | 1 | $299,499 | $299,499 |
| Villa Milano Ph 4-6 | 1 | 0 | $299,000 | $299,000 |
| Port Charlotte Sec28 | 1 | 1 | $295,000 | $295,000 |
| Port Charlotte Sub 27 | 1 | 1 | $289,900 | $289,900 |
| Biscayne Lndg Ii | 1 | 0 | $289,500 | $289,500 |
| Port Charlotte Sec20 | 1 | 1 | $289,499 | $289,499 |
| Port Charlotte Sec18 | 1 | 1 | $289,499 | $289,499 |
| Port Charlotte Sec12 | 1 | 1 | $289,499 | $289,499 |
| Gardens Of Gulf Cove | 1 | 0 | $285,000 | $285,000 |
| Port Charlott Sec 34 | 1 | 1 | $283,990 | $283,990 |
| Port Charlotte Sec8 | 1 | 0 | $279,900 | $279,900 |
| Pch 056 1862 0018 | 1 | 1 | $279,900 | $279,900 |
| The Palms At West Port | 1 | 0 | $275,000 | $275,000 |
| Port Charlotte Golf Crse Sec Rep | 1 | 0 | $275,000 | $275,000 |
| Port Charlotte Sec60 | 1 | 1 | $269,499 | $269,499 |
| Cove At West Port Ph 1B | 1 | 0 | $267,000 | $267,000 |
| Tarpon Bay Ph 04 Bldg D | 1 | 0 | $259,000 | $259,000 |
| Port Charlotte Village Mhp | 1 | 0 | $250,000 | $250,000 |
| Port Charlotte Sec 51 02 | 1 | 0 | $250,000 | $250,000 |
Also with homes under $300K for sale
- Bella Via Ii Bldg 6 (1)
- Bella Via Ii Bldg 11 (1)
- Port Charlotte Sec 020 (1)
- Harbour Village Ph 01 (1)
- David 04 Condo (1)
- Comm David Four Condo (1)
- Port Charlotte Prcl B Sec20 (1)
- Port Charlotte Sec72 14294 (1)
- Port Charlotte Sec23 (1)
- Heritage Oak Park 01 (1)
- Port Charlotte Sec 096 Rep 02 (1)
- Hammocks/West Port Ph Ii (1)
- Heritage Oak Park 03 (1)
- Port Charlotte Sec 008 (1)
- Port Charlotte Sec 045 (1)
- Port Charlotte 2Nd Rep (1)
- Village Hol Lake 01 (1)
- Port Charlotte Sec 037 (1)
- El Jobean Ward 02 Plan 01 (1)
- Tree Tops At Ranger Point (1)
- Heritage Oak Park/Waterside Club 02 At Heritage (1)
- Port Charlotte Sec 96 01 (1)
- Port Charlotte Sec 056 (1)
- Waters Edge Heritage Oak Park (1)
- Rolls Landing Ph 02 Bldg 07 (1)
- Heritage Oak Park-Waterside Club 04 At Heritage (1)
- Fort Charlotte Sec 66 (1)
- Waterside Club I At Heritage Oak Park (1)
- El Jobean Ward 07 Plan 01 (1)
- Gulf Cove (1)
- Port Charlotte Sec 021 (1)
- Port Charlotte Sec 001 (1)
- Port Charlotte Sec 018 (1)
- Harbour Village Ph 05 (1)
- Waterside Club 04 At Heritage (1)
- Waterside Club 02 At Heritage (1)
- Loveland Courtyards (1)
- El Jobean Ward 01 Place 02 (1)
- Tala Lake Condo Ph I (1)
- Lake View Ii Condobldg C (1)
- Char Shores (1)
- Vel Gardens (1)
- Sunshine Villas (1)
- Tala Lakes Ph 03 Bldg E (1)
- Waterways Ph 01 (1)
- Lakes Edge Ph 06 (1)
- Cedarwoods Ph 08 (1)
- C Harbor Resub (1)
- Edgewater Village Bldg I (1)
- Westchester Woods Ph 02 (1)
- Aqua Gardens Twnhs Bldg C (1)
- The Oaks 04 (1)
- Westchester Park Ph 05 (1)
- Cedar Woods Condo (1)
- Berkley House (1)
- Cedarwoods Ph 06 (1)
- Sheltons Add (1)
- Vel Gardens Condo (1)
- Sunshine Villas Bldg N (1)
- Sunshine Villas Bldg H (1)
- Cedarwoods Ph 03 (1)
- Sunshine Villas Bldg S (1)
- Maria Manor Condo (1)
- Cambridge House Port Charlotte (1)
- Oxford House (1)
- Regency House (1)
- Town & Country Manor (1)
What under $300,000 buys and what to check
In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.
Questions to ask about any listing in this band
How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.
Common questions
How many homes listed under $300,000 are for sale in Port Charlotte?
What do homes under $300K cost in Port Charlotte?
Which Port Charlotte community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
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Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Port Charlotte, FL whose MLS record reports an asking price under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.