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$599,000

4125 JOSEPH STREET, PORT CHARLOTTE, FL 33948

3D Tour

Active1 days on market

Beds

Baths

Sq Ft

2,038 sq ft

Year Built

2026

Lot Size

0.23 acres

Garage

About This Property

Pre-Construction. To be built. Stop searching for the perfect home and have it built very quickly to your specifications. This rare shovel-ready opportunity in the heart of Port Charlotte invites you to bring your endless dreams to life. Partner with a premier builder to customize all the details of canal retreat with direct gulf access. Skip the stress of remodeling. You select the cabinets, flooring, tile, paint colors, fixtures, and finishes. Tailor every square inch to match your personal style and lifestyle needs. This home sits on a CANAL and features an in-ground POOL with exterior restroom access, 3 large Bedrooms with dual primary layout, an oversized Den that includes closet for optional 4th bedroom, 3 full Bathrooms, and a spacious 3-car garage for all your toys. Listing price quoted is for a block home built above flood elevation. Port Charlotte offers world-class boating, pristine golf courses, and award-winning Gulf beaches. Enjoy modern Florida living with close proximity to shopping, dining, and entertainment. Don't settle for someone else's choices. Secure this lot with permit ready approved and engineered plans and watch your waterfront vision come to life today!

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #A4699975

StatusActive

Year Built2026

Total Rooms6

ConstructionBlock

RoofShingle

FoundationSlab

FacesEast

SubdivisionHARBOUR HEIGHTS A SEC 05

CountyCharlotte

OwnershipFee Simple

New ConstructionYes

Interior Features

InteriorNinguno

FlooringOther

AppliancesNone

LaundryWasher Hookup

CoolingCentral Air

HeatingElectric

Exterior & Lot

ExteriorNone

Lot Size0.23 acres (10,000 sq ft)

Road SurfaceAsphalt

Pool & Spa

Private PoolYes

Pool FeaturesIn Ground

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesOther

Parking

GarageYes (3 spaces)

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$599,000

Annual Taxes$1,119 (2025)

ZoningRSF3.5

Parcel #402125229003

Directions

Going north on Highway 41, turn left onto Edgewater St. Continue on Edgewater St and make a left on Collingsworth Blvd. Turn right on Robinson Ave. and make a left onto Joseph St.

Location

4125 JOSEPH STREET, PORT CHARLOTTE, FL 33948

Listing Information

OfficeFATHOM REALTY FL LLC

ListedJuly 14, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$599,000

Down Payment20% ($119,800)

Interest Rate6.75%

Loan Term

Principal & Interest$3,108

Property Tax (est.)$549

Insurance (est.)$150

Total Monthly$3,807

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How to Buy This Home

Multiple financing options available for this $599,000 home in PORT CHARLOTTE.

🏛️

FHA Loan

$20,965 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$29,950 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 15, 2026.