Waterfront Homes for Sale in Port Charlotte, FL
This page tracks every Port Charlotte listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
71 waterfront homes are for sale or pending in Port Charlotte, FL today across 41 communities. The median asking price is $589,000, from $97,500 to $2,500,000. Listings in Port Charlotte without that feature have a median of $229,000. Most listings right now: Harbor West (10), South Gulf Cove (7), Driftwood Bay (6). Updated September 27, 2026 from the MLS.
Port Charlotte waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Harbor West | 10 | 0 | $854,500 | $475,000 |
| South Gulf Cove | 7 | 3 | $798,000 | $499,900 |
| Driftwood Bay | 6 | 6 | $313,380 | $289,999 |
| South Bayview Estates | 3 | 0 | $1,395,000 | $1,250,000 |
| Port Charlotte Sec 36 02 | 2 | 0 | $1,499,500 | $499,000 |
| Suncoast Harbor | 2 | 2 | $1,390,000 | $1,365,000 |
| Port Charlotte Sec55 | 2 | 0 | $1,162,495 | $825,000 |
| Port Charlotte Sec 94 01 | 2 | 1 | $1,026,500 | $999,000 |
| Suncoast Harbors | 2 | 0 | $534,000 | $479,000 |
| Biscayne Lndg North | 2 | 0 | $400,000 | $375,000 |
| Harbour Village Ph 03 | 2 | 0 | $199,700 | $99,500 |
| El Jobe An Ward 02 Plan 01 | 1 | 0 | $1,300,000 | $1,300,000 |
| Port Charlotte K Sec 87 | 1 | 1 | $949,000 | $949,000 |
| Port Charlotte Sec 94 1St Repl | 1 | 0 | $939,989 | $939,989 |
| Mcalester Point | 1 | 0 | $899,000 | $899,000 |
| Port Charlotte Sec 43 01 | 1 | 0 | $880,000 | $880,000 |
| Waterview Property Owners' Association, | 1 | 0 | $879,000 | $879,000 |
| Charlotte Sec 93 | 1 | 0 | $735,000 | $735,000 |
| Redfin Shores/Riverwood | 1 | 0 | $680,000 | $680,000 |
| Harbor Estate | 1 | 1 | $679,500 | $679,500 |
| Villas At Harbour Village | 1 | 0 | $479,000 | $479,000 |
| Port Port Charlotte Sec 37 | 1 | 0 | $399,000 | $399,000 |
| Tusgs Gate Ph 8 | 1 | 0 | $389,900 | $389,900 |
| Sawgrass Pointe At Riverwood Unit 2 | 1 | 0 | $329,000 | $329,000 |
| Port Charlotte Sec 45 Rev | 1 | 0 | $300,000 | $300,000 |
| Biscayne Lndg | 1 | 0 | $299,500 | $299,500 |
| Palms/West Port 1A | 1 | 1 | $299,000 | $299,000 |
| Tarpon Bay Ph 04 Bldg D | 1 | 0 | $259,000 | $259,000 |
| Bella Via Ii Bldg 6 | 1 | 0 | $250,000 | $250,000 |
| Bella Via Ii Bldg 11 | 1 | 0 | $250,000 | $250,000 |
| Harbour Village Ph 01 | 1 | 0 | $249,900 | $249,900 |
| Cove/West Port Ph 1B | 1 | 0 | $245,000 | $245,000 |
| Suncoast Lakes | 1 | 0 | $230,000 | $230,000 |
| River Club | 1 | 0 | $230,000 | $230,000 |
| Waterside Club I At Heritage Oak Park | 1 | 0 | $198,000 | $198,000 |
| Promenades East | 1 | 0 | $184,900 | $184,900 |
| Harbour Village Ph 05 | 1 | 0 | $182,900 | $182,900 |
| Waterways Ph 01 | 1 | 0 | $149,000 | $149,000 |
| Sunrise Towers Ph 01 | 1 | 0 | $145,000 | $145,000 |
| Lakes Edge Ph 06 | 1 | 0 | $139,000 | $139,000 |
| Sunshine Villas Bldg N | 1 | 0 | $97,500 | $97,500 |
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in Port Charlotte?
What do waterfront homes cost in Port Charlotte?
Which Port Charlotte community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
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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 waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.