Single Family Residence in PORT CHARLOTTE SEC 011 · No CDD on record
PORT CHARLOTTE SEC 011 · Port Charlotte, FL 33952 · Charlotte County
Listing data checked against the MLS November 2, 2026 at 10:42 AM ET · rechecked hourly
Listed by EXP REALTY LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
1Bathrooms
648Sq Ft
1958Year Built
$231Per Sq Ft
No CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
in line with
$/sq ft vs community
$231 here vs $230 median sold (12 mo)
Buyer leverage
Strong buyer advantage
2691.0-month supply
2691.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $150k is at or below all 12 recent closed sales
3468 Normandy Drive in Port Charlotte Sec 011, Port Charlotte is listed at $150,000 (648 sq ft, about $231 per sq ft). That is 67% below Port Charlotte Sec 011's median closed sale of $458,950 over the last 12 months (830 recorded sales). It came to market within the past week. Listing facts: built in 1958, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1958 · 68 yrs
648 sq ft of living area
Active listing
No HOA reported by the listing (confirm)
Listing description
About this home
Virtually Staged. WELCOME HOME TO THIS CHARMING PORT CHARLOTTE PROPERTY! Offering comfortable living spaces, versatile features, and numerous important updates, this home is a wonderful opportunity to enjoy the Southwest Florida lifestyle!
One of the home's standout features is the CONVERTED GARAGE, thoughtfully transformed into a spacious FLEX ROOM that provides endless possibilities! Whether you envision a home office, hobby room, fitness area, entertainment space, or additional living area, this versatile room can easily adapt to your needs. A portion of the original garage has been retained as a CONVENIENT STORAGE AREA, perfect for tools, bicycles, lawn equipment, and other essentials.
Step outside and enjoy the GENEROUSLY SIZED, PARTIALLY FENCED BACKYARD, offering plenty of space for outdoor activities, gardening, or simply enjoying the Florida sunshine. The inviting OUTDOOR PATIO provides an ideal setting for weekend barbecues, relaxing with your morning coffee, or gathering with family and friends. MAJOR UPDATES ADD VALUE AND PEACE OF MIND, including a NEW WATER HEATER (2025), REPLACEMENT OF PLUMBING FROM THE HOUSE TO THE STREET and all plumbing pipes throughout the house (2025), NEW ROOF (2020), and A/C SYSTEM (2019).
These significant improvements add peace of mind for the next homeowner. Conveniently situated in Port Charlotte, you'll enjoy easy access to shopping, restaurants, medical facilities, parks, and the many recreational opportunities Southwest Florida has to offer. Beautiful Gulf Coast beaches, boating, fishing, and charming downtown Punta Gorda are all within reach.
Whether you're looking for a full-time residence, seasonal getaway, or investment property, this home offers flexibility, functionality, and exceptional potential! Don't miss your opportunity to make it yours. Schedule your private showing today!
Description provided by EXP REALTY LLC and reproduced from the MLS; not independently verified.
Listing courtesy of EXP REALTY LLC · Listing agent: Robbi Olson · 888-883-8509Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Charlotte County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 648 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 2, 2026.
How it stacks up
Comparable recent sales
No closed sales of a similar home within about 10 miles in Charlotte County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for PORT CHARLOTTE SEC 011. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$150,000
Bed / bath2 / 1
Living area648 sq ft
Year built1958
Property typeSingle Family Residence
MLS #C7532811
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyCharlotte
Area listings1423 active · 311 under contract
Estimated first-year tax~$1,700/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$231
Estimated monthly payment$1,041
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$458,950
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,041/mo
Principal & interest $818/mo79%
Taxes $142/mo14%
Insurance $81/mo8%
$1,041/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Charlotte County rate (16.92 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,150/yr ($96/mo) — taxable value $68,086 × 16.92 mills
$550 more each year
(+48%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$48,226
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$116,312
Market value
$68,086
Assessed
$68,086
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3468 Normandy Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $1,150/yr (certified county roll, taxable value × millage). Buy at the asking price of $150,000 and the first-year bill resets to about $1,700/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.92 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Charlotte County is $2,298/yr (2,415 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,500/yr; neither is a quote.
Roof and age
Built in 1958. An original roof would be about 68 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $333/month (tax $142, insurance $192). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Charlotte County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Charlotte County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively Low
LightningVery High
Strong windRelatively Moderate
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Charlotte County
Pricing & the Charlotte County market
How this home is priced against recent nearby sales, and where Charlotte County has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Charlotte County
Each dot is a closed sale since 2004 (10700 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $231/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 49 (normal).
Property timeline
This home’s history
1958BuiltPer public record
Nov 2, 2026First seen on movewithmomentum.comObserved at $150,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $150,000EXP REALTY LLC
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
66/100
Strongest on: Affordability (100), Pricing power (75)
0 limited50100 exceptional
66/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area49
This home $231/sq ft vs the community 12-month median $230/sq ft.
Affordability100
List price $150,000 vs the community median $458,950. Not a measure of personal affordability.
Market liquidity56
Community median 56 days on market (12-month record).
Pricing power75
Recent sales closed at about 93.0% of original asking (~7.0% below). More room below asking generally favors buyers.
Market timing51
Momentum Market Heat is 49/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $231 per square foot, about in line with the community’s $230 median. Charlotte County’s 12-month median sold price per square foot is $230. Median sold price per square foot is up 7.8% year over year. Confidence: Very High · 830 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Charlotte County sales closed near 93.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1423 active listings in Charlotte County, no CDD assessment.
Checked against the MLS November 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP REALTY LLC · MLS # C7532811
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Keep looking
Similar homes for sale near PORT CHARLOTTE SEC 011
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
Punta Gorda approves parking variances for planned AdventHealth hospital
The city council unanimously approved parking variances on Oct. 28 for AdventHealth's 17.46-acre site at 26072 Glasgow Ave. near Jones Loop Road. Plans call for a 12-bed emergency department first, then expansion to 24 beds with a four-story, 80-bed hospital and a medical office building. Groundbreaking is planned for November 2026.
Why it matters: A new hospital campus would add health care access and medical jobs near the Jones Loop Road corridor. The project is about 6 miles west of Zz Stellar Charlotte Unassigned, elsewhere in Charlotte County.
Punta Gorda council approves $95.9M reverse osmosis water expansion
The Punta Gorda City Council voted unanimously on Oct. 28 to add two treatment units to the Shell Creek Water Treatment Plant, raising capacity by 4 million gallons per day. The plan was chosen over buying water from the regional authority and is partly expected to be paid through a state hurricane recovery program. Storm surge from Helene and Milton had raised chloride levels in the reservoir.
Why it matters: More reliable treated water capacity supports continued housing and commercial growth in and around Punta Gorda. The site is about 4 miles west of Zz Stellar Charlotte Unassigned.
West Port expansion in Port Charlotte to add 423 homes and a Publix
Brookfield Kolter Land Partners is expanding West Port by 180 acres with 423 homes, with D.R. Horton building and Lennar expected to start in 2027. A Publix-anchored center fronting SR 776 is scheduled to open in late 2027, and Flamingo Boulevard is to open as a two-lane road later in 2026.
Why it matters: Adds new-home supply in the mid-$200,000s and neighborhood grocery access on the SR 776 corridor. The project is about 15 miles west of Zz Stellar Charlotte Unassigned, elsewhere in Charlotte County.
Canopy at Babcock Ranch, a 373-unit complex by Milhaus, is about 85% occupied. A 140-unit B Street apartment project with retail and office space is planned, and the 246-home Flatwoods rental community is expected to near full occupancy in fall 2026.
Why it matters: Shows rental supply growth and absorption in the Babcock Ranch town, adding housing near planned local retail. The project is about 15 miles southeast of Zz Stellar Charlotte Unassigned, elsewhere in Charlotte County.
Schools currently assigned to this address in Charlotte County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Charlotte County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Amenities and HOA/CDD detail on the neighborhood guide.
Before you decide
Buyer research checklist
Items worth confirming for 3468 Normandy Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1958 (68 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Charlotte County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 648 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $1,700/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $550 more per year than the current owner’s estimated bill (+48%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: November 2, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Charlotte County — no medians or automated estimate shown
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3468 Normandy Drive and when was it built?
Per the listing record, 3468 Normandy Drive was built in 1958 and has 648 sq ft of living area, 2 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3468 Normandy Drive in?
3468 Normandy Drive is in Port Charlotte Sec 011 in Port Charlotte, Charlotte County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 3468 Normandy Drive have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 3468 Normandy Drive differ from the current owner's?
The estimate on this page (about $1,700 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $550 more per year than the current owner’s estimated bill (+48%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3468 Normandy Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3468 NORMANDY DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
