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.

323 waterfront homes are for sale or pending in Port Charlotte, FL today across 102 communities. The median asking price is $599,900, from $97,500 to $2,500,000. Listings in Port Charlotte without that feature have a median of $399,700. Most listings right now: Port Charlotte Sec 081 (22), Port Charlotte Sec 093 (19), Port Charlotte Sec 060 (19). Updated September 8, 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. The 60 communities with the most waterfront homes listed are tabled; the rest follow.

Community	Waterfront Homes	New build	Median list	From
Port Charlotte Sec 081	22	9	$674,500	$320,000
Port Charlotte Sec 093	19	2	$899,900	$675,000
Port Charlotte Sec 060	19	5	$695,000	$470,000
Port Charlotte Sec 87	16	8	$787,450	$299,900
Port Charlotte Sec 040	11	0	$599,999	$389,000
Port Charlotte Sec 010	11	0	$435,000	$344,995
Harbor West	10	0	$854,500	$475,000
Port Charlotte Sec 082	10	2	$629,500	$350,000
Port Charlotte Sec 071	8	2	$718,750	$489,000
South Gulf Cove	8	3	$689,450	$455,500
Port Charlotte Sec 037	8	1	$529,900	$329,900
Port Charlotte Sec 043	7	1	$795,000	$625,000
Port Charlotte Sec 054	7	0	$599,900	$299,900
Port Charlotte Sec 079	7	0	$500,000	$329,000
Port Charlotte Sec 006	7	0	$335,000	$258,000
Port Charlotte Sec 021	6	0	$312,200	$289,314
Port Charlotte Sec 044	5	1	$599,900	$329,900
Port Charlotte Sec 025	5	0	$365,000	$275,000
Driftwood Bay	5	5	$314,380	$309,999
Port Charlotte Sec 033	5	0	$232,000	$174,900
Port Charlotte Sec 058	4	1	$767,450	$449,000
Port Charlotte	4	2	$604,750	$285,000
Port Charlotte Sec 002	4	0	$331,500	$239,900
South Bayview Estates	3	0	$1,395,000	$1,250,000
Port Charlotte Sec 94 01	3	1	$1,069,000	$999,000
Port Charlotte Sec 049	3	1	$749,500	$699,990
Port Charlotte Sec 047	3	0	$620,000	$525,000
Port Charlotte Sec 078	3	1	$548,000	$500,000
Port Charlotte Sec 005	3	0	$465,000	$285,000
Port Charlotte Sec 011	3	0	$174,500	$164,900
Port Charlotte Sec 36 02	2	0	$1,499,500	$499,000
Suncoast Harbor	2	2	$1,390,000	$1,365,000
Port Charlotte Sec 036	2	0	$1,225,000	$1,200,000
Port Charlotte Sec55	2	0	$1,167,495	$835,000
Port Charlotte Sec 03E	2	2	$1,034,000	$1,019,000
Port Charlotte Sec 82	2	0	$867,449	$684,999
Port Charlotte Sec 71	2	1	$821,500	$599,000
Port Charlotte Sec 039	2	0	$729,500	$699,000
Port Charlotte Sec 085	2	2	$628,900	$599,900
Port Charlotte Sec 038	2	0	$575,000	$505,000
Port Charlotte Sec 059	2	0	$550,000	$275,000
Port Charlotte Sec 023	2	0	$544,999	$539,999
Port Charlotte Sec 030	2	0	$519,164	$365,000
Port Charlotte Sec 031	2	0	$436,000	$349,000
Port Charlotte Sec 050	2	0	$417,000	$409,000
Port Charlotte Sec 018	2	0	$392,000	$349,000
Port Charlotte Sec 008	2	0	$352,499	$320,000
Tarpon Bay Ph 04 Bldg D	2	0	$267,000	$259,000
Port Charlotte Sec 020	2	0	$250,000	$150,000
Harbour Village Ph 03	2	0	$222,450	$145,000
Village Of Holiday Lake	2	0	$166,450	$164,900
Port Charlotte Sec 55	1	0	$1,324,000	$1,324,000
El Jobe An Ward 02 Plan 01	1	0	$1,300,000	$1,300,000
Port Charlotte Sec 94	1	1	$1,095,000	$1,095,000
Port Charlotte Sec 83	1	0	$974,900	$974,900
Port Charlotte Sec 94 1St Repl	1	0	$939,989	$939,989
Port Charlotte Sec 055	1	0	$899,000	$899,000
Port Charlotte Sec 061	1	0	$798,999	$798,999
Port Charlotte Sub Sec 37	1	1	$779,900	$779,900
Port Charlotte Sec 095	1	1	$759,000	$759,000

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?

As of September 8, 2026, 323 Port Charlotte, FL listings whose MLS record reports waterfront are active or pending, across 102 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Port Charlotte?

The median asking price today is $599,900, with listings from $97,500 to $2,500,000. Port Charlotte listings without that feature have a median of $399,700.

Which Port Charlotte community has the most waterfront homes for sale?

Port Charlotte Sec 081 has the most right now (22), followed by Port Charlotte Sec 093 (19), Port Charlotte Sec 060 (19), Port Charlotte Sec 87 (16).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Port Charlotte

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.

Listings courtesy of Stellar MLS as distributed by MLS GRID.