1222 UNDERHILL CIRCLE, PORT CHARLOTTE, FL, 33953
Active178 days on marketListed Feb 9, 2026MLS #D6146068
About this home
1222 UNDERHILL CIRCLE
Virtually Staged. Crafted Beyond Compare-Built for a Lifetime of Excellence. Built ABOVE and BEYOND standard building practices, this CUSTOM home was originally designed and constructed as the builder's personal residence. QUALITY, DURABILITY, and LONG-TERM performance were prioritized throughout, with PREMIUM materials, SUPERIOR construction methods, and structural upgrades rarely found in today's new construction homes. Built for Florida living, the home features a raised STEM WALL foundation, PGT IMPACT-rated windows and DOORS, ZIP System roof sheathing with all seams taped, R-38 insulation, SOUND-INSULATED interior walls, mold-RESISTANT drywall, and a PREMIUM 24-gauge standing seam METAL roof with high temperature underlayment. Additional exterior features include smooth sandstone stucco, 7-inch seamless gutters, insulated garage door with belt-drive opener, tongue-and-groove lanai ceiling, white aluminum railings, professional irrigation, St. Augustine sod, decorative Black Onyx rock landscaping, paver driveway, SCREENED lanai enclosure, CITY WATER, and a two-car garage. The interior showcases a modern open design with 9-foot ceilings, crown molding, SOLID WOOD interior doors, encased windows, OVERSIZED designer tile, LED lighting, vinyl blinds, garbage disposal, and premium finishes throughout. The chef's kitchen features a complete BOSCH appliance package, matching cooktop, Blanco granite composite sink, quartz waterfall island, white shaker cabinetry with crown molding, oak accent island, and under-cabinet LED lighting. The owner's suite offers a spa-inspired bath with designer tile, glass enclosure treated with Diamond Fusion, illuminated LED mirrors, and a bidet toilet. Unlike typical builder-grade homes, this residence was built with a focus on STRENTH, EFFICIENCY, STORM protection, and low-maintenance ownership—making it a rare opportunity for buyers who appreciate SUPERIOR construction and lasting value. ( living room photo AI generated for conceptual purpose only. )
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,362
Sqft
0.23 ac
Lot size
2
Garage
2025
Year built
One
Levels
$308
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.
$2,853 /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
$2,853/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
+39.8%
$/sqft vs Port Charlotte actives
$308 vs $208
Days on market
178 vs 59 typical
Where $308/sqft sits among the 400 Port Charlotte actives
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 Port Charlotte
Get to know Port Charlotte. See the full Port Charlotte guide →
PORT CHARLOTTE 33953 — neighborhood snapshot
Population
7,018
Median age
62.9
Median income
$77,227
Median home value
$332,200
Avg household
2.36
Households w/ children
430
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)
179 of 400
Port Charlotte actives have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1809% above the PORT CHARLOTTE 33953 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 1222 UNDERHILL CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$670,000
1288 WHEATLEY STREET · same community
3 bd · 2 ba · 1,789 sqft · $375/sqft · 103 DOM
Sold · Jul ’26$410,000
1054 GENERAL STREET · same community
3 bd · 2 ba · 1,790 sqft · $229/sqft · 31 DOM
Sold · Apr ’26$550,000
12332 CORPORAL CIRCLE · same community
3 bd · 2 ba · 1,841 sqft · $299/sqft · 204 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1222 UNDERHILL CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1222 UNDERHILL CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
1222 UNDERHILL CIRCLE FAQs
What would the monthly payment be for 1222 UNDERHILL CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,853/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 1222 UNDERHILL CIRCLE?+
The most recent tax bill on record (2025) was $421. 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 1222 UNDERHILL CIRCLE?+
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 $420,000, this home is listed about 26% above the Port Charlotte median of $332,425. The market section on this page shows how the area is trending.
Which schools are assigned to 1222 UNDERHILL CIRCLE?+
Murdock Middle School (middle), Port Charlotte High School (high), Liberty Elementary School (elementary) — 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
$420,000 runs 1809% above the PORT CHARLOTTE 33953 median.
02Time on market is leverage
178 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $485,000, now $420,000 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TALL PINES REALTY · Maggie Hernandez. MLS #D6146068.
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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