$350,000
21064 Higgs Drive
Port Charlotte, FL 33952
Listing updated: February 6, 2026 at 5:19 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
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
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
- Status: ActiveJan 30, 2026
- Listed$350,000Jan 30, 2026
- 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
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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
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
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | |
| Living Room | First | |
| Dining Room | First | |
| Primary Bedroom | First | |
| Bedroom 2 | First |
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
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.
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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.
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