14605 PONCE DE LEON TRAIL, PORT CHARLOTTE, FL, 33981
Active1 days on marketListed Aug 12, 2026MLS #C7529293
About this home
14605 PONCE DE LEON TRAIL
IMMACULATE, FULLY FURNISHED POOL HOME WITH POND VIEWS IN HARBOR WEST! Welcome to 14605 Ponce De Leon Trail, an exceptionally maintained 4-bedroom, 3-bathroom, 2-car garage home situated on a desirable corner lot in the Harbor West community. Offering a heated pool, beautiful pond views, high-end furnishings and impressive storm protection, this home is truly ready to enjoy from day one. Step inside to a bright, spacious interior that reflects the meticulous care given to this property. The heart of the home is the generously sized kitchen, featuring a large center island, abundant cabinetry and counter space, a walk-in pantry, and stainless steel appliances. The open layout creates an effortless flow between the kitchen and surrounding living spaces, making the home equally suited for everyday living and entertaining. The spacious primary suite offers a relaxing private retreat with an en-suite bathroom featuring a large walk-in shower and plenty of room to unwind. Three additional bedrooms and two full guest bathrooms provide excellent flexibility for family, visitors, a home office, or additional living space. Outside, enjoy your own private Florida oasis. The heated pool overlooks the peaceful pond, while the picture-window pool cage maximizes the view and creates a beautiful backdrop for mornings by the water or evenings spent entertaining on the lanai. Roll-down hurricane shutters provide added protection across the lanai, while the remainder of the home features impact windows. Additional highlights include a 2022 roof, Flood Zone X designation, and a 2-car garage. Best of all, the home is being offered furnished with high-end furniture and décor, creating a polished, cohesive interior without the hassle of starting from scratch. From the immaculate condition to the heated pool, tranquil pond setting and thoughtful upgrades, this Harbor West home offers a truly turnkey Florida lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,031
Sqft
0.21 ac
Lot size
2
Garage
2022
Year built
One
Levels
$234
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,012 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,012/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−27.1%
$/sqft vs HARBOR WEST
$234 vs $300
Days on market
1 vs 60 typical
Where $234/sqft sits among the 11 homes for sale in HARBOR WEST
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,413
Median age
63
Median income
$92,806
Median home value
$480,409
Avg household
2
Households w/ children
284
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
6 of 11
HARBOR WEST have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1118% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 14605 PONCE DE LEON TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$402,000
14724 PONCE DE LEON TRAIL · same community
4 bd · 3 ba · 2,027 sqft · $198/sqft · 214 DOM
Sold · Aug ’26$425,000
15177 SPANISH POINT DRIVE · same community
4 bd · 3 ba · 2,027 sqft · $210/sqft · 773 DOM
Sold · Mar ’26$415,000
15153 SPANISH POINT DRIVE · same community
4 bd · 3 ba · 2,006 sqft · $207/sqft · 197 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 14605 PONCE DE LEON TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14605 PONCE DE LEON TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
14605 PONCE DE LEON TRAIL FAQs
What would the monthly payment be for 14605 PONCE DE LEON TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,012/mo — principal and interest, the actual property-tax bill, the $256/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 14605 PONCE DE LEON TRAIL?+
The association fee works out to $256 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 14605 PONCE DE LEON TRAIL?+
The most recent tax bill on record (2025) was $7,079. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 14605 PONCE DE LEON TRAIL?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Port Charlotte?+
At $475,000, this home is listed about 44% above the Port Charlotte median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 14605 PONCE DE LEON TRAIL?+
Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$475,000 runs 1118% above the PORT CHARLOTTE 33981 median — but at 2,031 sqft it's also 24% larger than the typical Port Charlotte listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Port Charlotte market that averages 60 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of GRANT TEAM REAL ESTATE, LLC · Christopher Grant. MLS #C7529293.
IDX 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 accurate by Stellar MLS.
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