12068 KARNEY AVENUE, PORT CHARLOTTE, FL, 33981
Active12 days on marketListed Aug 2, 2026MLS #TB8524816
About this home
12068 KARNEY AVENUE
Virtually Staged. Pre-Construction. To be built. WELCOME TO THE COASTAL LIVING SERIES IN GULF COVE! Experience the ultimate Florida lifestyle in this stunning 1-story Coastal Contemporary new construction home. Perfectly designed as an upscale starter home or a serene retreat, this 3-bedroom, 2-bathroom, 2-car garage beauty comes fully loaded with premium features—including your very own custom pool! THE HEART OF THE HOME Step inside an expansive, light-filled open concept where the great room, dining area, and chef-inspired island kitchen blend seamlessly. Entertain friends around the kitchen’s eating bar, or slide open the oversized glass doors to expand your living space out onto the covered lanai. Gorgeous wide plank tile flooring flows throughout, complemented by a full suite of energy-efficient appliances (washer and dryer included!). A PRIVATE RETREAT The spacious master bedroom suite is a true oasis, complete with a large walk-in closet and a spa-like en-suite bath featuring dual sinks, a separate soaking tub, and a walk-in shower. Two generously sized secondary bedrooms share a full bath, offering plenty of space for family, guests, or a home office. PREMIUM UPGRADES INCLUDED Forget the hassle of upgrades—this home comes standard with features that most builders charge extra for: Backyard Oasis: Custom 8x16 pool package with safety fencing and automatic cleaner included. Climate Control: High-efficiency, energy-saving zoned A/C providing individualized comfort in every room. Peace of Mind: Storm-rated impact windows and a limited lifetime GAF HDZ / UHDZ roof. Curb Appeal: Timeless stucco finish with charming bracketed eaves and a standard landscape package. Convenience: Dedicated laundry room drop-zone with easy access to the 2-car front-entry garage (featuring bonus storage space!). Appliances: Stainless Steel Energy Efficient Frigidaire Or Whirlpool Package Standard Cabinets & Countertops: All Wood Cabinets, Solid Wood Drawers, Soft Close Standard - Natural Quartzite or Granite Fixtures: Imported and Delta Premium Fixtures and Valves Standard GULF COVE LIFESTYLE & AMENITIES Beyond your beautiful new home, the community offers incredible perks to maximize your coastal lifestyle! An optional, low-cost HOA grants you exclusive access to fantastic neighborhood features, including a private boat ramp, playground, community park, pavilion, and a scenic riverfront area. BUILDER NOTES & OPTIONS Need more space? Ask about building a larger version of this exact style! Related house plans are available: (1,960 sq. ft.), (2,044 sq. ft.), and (2,174 sq. ft.). Please Note: Final price, specifications, features, and construction timeline are subject to buyer selections, overall site conditions, and permitting. Photos and renderings may show optional upgrades. Taxes are TBD. Preferred construction-to-permanent lending partners are available to streamline the building process. Buyer and buyer's agent to verify all information and dimensions.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,549
Sqft
0.23 ac
Lot size
2
Garage
2027
Year built
One
Levels
$258
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 — not generic estimates.
$2,725 /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
$2,725/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
−34.9%
$/sqft vs PORT CHARLOTTE SEC 056
$258 vs $211
Days on market
12 vs 59 typical
Where $258/sqft sits among the 13 homes for sale in PORT CHARLOTTE SEC 056
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 Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
Gulf Cove — neighborhood snapshot
Population
4,064
Median age
62
Median income
$57,533
Median home value
$349,277
Avg household
2
Households w/ children
274
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)
8 of 13
PORT CHARLOTTE SEC 056 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 924% 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 12068 KARNEY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$423,000
5362 MURPHY STREET · same community
3 bd · 2 ba · 1,544 sqft · $274/sqft · 38 DOM
Sold · Jul ’26$317,500
12417 PRUDENTIAL AVENUE · same community
3 bd · 2 ba · 1,540 sqft · $206/sqft · 111 DOM
Sold · May ’26$329,600
12152 GORDON AVENUE · same community
3 bd · 2 ba · 1,540 sqft · $214/sqft · 4 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
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12068 KARNEY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12068 KARNEY AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
12068 KARNEY AVENUE FAQs
What would the monthly payment be for 12068 KARNEY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,725/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12068 KARNEY AVENUE?+
The most recent tax bill on record (2025) was $437. 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 12068 KARNEY AVENUE?+
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 $399,500, this home is listed about 21% 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 12068 KARNEY AVENUE?+
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
$399,500 runs 924% above the PORT CHARLOTTE 33981 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $549,000, now $399,500 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Jonathan Debellevue. MLS #TB8524816.
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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