21064 Higgs Drive, FL
Stellar MLS

$350,000

21064 Higgs Drive

Port Charlotte, FL 33952

Listing updated: February 6, 2026 at 5:19 AM ET

Active
4
Beds
2
Baths
1,798
Sq Ft
0.32
Acres
1961
Built
WaterfrontWater accessIn-law suite$195/sqft360° tour
Single Family Residence

Property type

1961

Year built

14,026 sqft

Lot size

$195

Price / sq ft

No HOA

HOA dues

7

Days on market

AE

Flood zone

About this home

TURNKEY WATERFRONT HOME WITH BONUS MOTHER-IN-LAW SUITE AND QUICK HARBOR ACCESS: Perfectly situated on an oversized, nearly 14,000 square foot pie-shaped waterfront lot with approximately 148 feet of canal frontage and intersecting canal views, this move-in ready residence offers a rare blend of boating access, exceptional outdoor space, privacy, and flexible living options. Whether enjoyed as a single-family home, a multi-generational living setup, or an income-producing opportunity, this waterfront property delivers a unique lifestyle. Located just 0.9 miles from Charlotte Harbor with only one high-clearance bridge, this home provides easy access to open water while maintaining a peaceful and private setting. Showcasing flexibility and opportunity, the property is divided into two living spaces. The main residence features three bedrooms, one bathroom, a large living room, open kitchen, interior laundry room and a bonus Florida room currently configured as a game room, creating additional living and entertaining space. This area is fully equipped with a foosball table, two stand-up arcade systems, a dartboard, and board games, making it ideal for gatherings or relaxed evenings at home. The additional separate mother-in-law suite with its own private entrance affords a studio-style space including a bedroom, full-size bathroom, kitchenette, dining area, living space, and its own laundry closet. The kitchenette is equipped with a range, refrigerator, and microwave. This setup is perfect for visiting guests, extended family, or as a separate rental opportunity. The suite also offers future potential to be reconnected to the main dwelling if desired and features a brand-new split unit air conditioning system. The outdoor living space is truly exceptional, offering a tranquil backyard designed to maximize the waterfront setting and privacy. Features include a large covered outdoor 12x27 tiki style gazebo with metal roof, outdoor grilling stations, a kayak launch, and two hot tubs—one located off the main residence and another on the mother-in-law suite porch. Mature trees enhance the natural setting, and a separate storage shed adds additional functionality. Offered fully furnished and turnkey, the home is ready for immediate use as a primary residence, second home, or rental investment. Recent updates include new washer/dryers (with 3 year warranties), flooring, interior paint, fixtures, 2025 water heater, and a fully updated electrical system with a new 200-amp service panel. This coveted location puts you minutes from boating, fishing, and water sports on Charlotte Harbor, with marinas nearby including Charlotte Harbor Yacht Club, Fishermen’s Village Marina, and Safe Harbor Burnt Store offering slip access and services. Explore local waterfront dining, shopping, and entertainment at Fishermen’s Village in Punta Gorda. For beach days, world-class sands like Englewood Beach, Stump Pass Beach State Park, Manasota Key, and Gasparilla Island State Park are a short scenic drive west, offering swimming, shelling, boating, and sunshine along the Gulf Coast. The area is also known for outstanding golf, premier fishing waters, and easy access to restaurants, shopping, and community amenities throughout Port Charlotte, Punta Gorda, and nearby coastal towns.

Local Insight

At $195/sqft for a 1961 waterfront home in Port Charlotte, you're paying for water access and the in-law suite potential, but that AE flood zone designation is serious—you'll need flood insurance as a mandatory condition, and any future renovations or resale could be complicated by elevation requirements and higher premiums. The 0.32-acre lot is tight for waterfront, so you're not getting much privacy or expansion room, but if the water view and boating access justify the flood risk to you, it's worth a detailed flood history check and a conversation with an insurance agent before moving forward.

AI-generated insight based on listing data and neighborhood context. Verify independently.

Estimated monthly payment

Principal & interest$1,770
Property taxes$460
Home insurance (est.)$160

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history7 days on market

  1. Status: Active
    Jan 30, 2026
  2. Listed$350,000
    Jan 30, 2026
  3. Price increased$350,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
7
Subdivision
Port Charlotte Sec 006
County
Charlotte
Year built
1961
Living area
1,798 sq ft
Price/sq ft
$195
Building area
2,098 sq ft (Public Records)
Lot size
14,026 sq ft
Lot category
1/4 to less than 1/2
Flood zone
AE (12015C0226G)
Annual taxes
$5,522 (2025)
Parcel #
402227106001
Zoning
RSF3.5
MLS #
N6142612

Ask about this home

Have a question? Ask the broker directly.

Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.

Your question is private and goes only to Ryan — it is never published on this page.

Interior Details

Bedrooms
4
Full bathrooms
2
Flooring
Brick, Carpet, Laminate, Tile, Vinyl
Appliances
Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
Interior features
Cathedral Ceiling(s), Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor
Laundry
Inside, Laundry Closet
Stories / Levels
One
Direction faces
Northeast
In-law suite
Yes

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Parking features
Driveway, Open

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
No Minimum
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Courtyard, Lighting, Outdoor Grill, Storage
Construction materials
Block, Stucco
Roof
Built-Up
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Electricity Connected, Sewer Connected, Water Connected

Schools

ElementaryPeace River ElementaryGreatSchools ↗
MiddlePort Charlotte MiddleGreatSchools ↗
High SchoolCharlotte HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
KitchenFirst
Living RoomFirst
Dining RoomFirst
Primary BedroomFirst
Bedroom 2First

Listing Details

Listing date
2026-01-30
On market date
2026-01-30
Original list price
$350,000
Occupant type
Vacant
MLS area
33952 - Port Charlotte
Listing AOR
Port Charlotte
Status changed
2026-01-30
Tax legal description
PCH 006 0016 0197 PORT CHARLOTTE SEC 6 BLK 16 LT 197 119/47 DC439/763 05/511 PR73-309 642/2191 756/1061 961/703 1273/1090 1273/1092 3134/808 3465358

Flood risk

High riskFEMA Zone AEPanel 12015C0226G

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

South on US 41. Right on Harbor Blvd. Right on Higgs. The Property is on the Right.

More homes like this

MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of February 6, 2026 at 5:19 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA