0.23 acres on a paved street in Port Charlotte with power 76 ft away and $1,900 puts you on the deed.

This is a 0.23-acre lot at 12154 Zittle Ave in Port Charlotte, Florida, in Charlotte County. The land is level at 11 ft elevation, with paved frontage on Zittle Ave. Fort Myers is about 30 minutes south on US-41. Sarasota is about 45 minutes north. The Gulf at Englewood Beach is 25 minutes west. Charlotte Harbor is the protected estuary that gives this part of the coast some of the best fishing in southwest Florida.

$1,900 gets you started. That's 10% of the $18,999 cash price. The rest is owner financing. No banks. No credit checks. No prepayment penalties. We work out monthly payments together on a phone call so they fit your budget. Interest rates run as low as 1.9% on a 12-month plan. Pay it off early anytime, no penalty. After 12 on-time payments you can defer one if you need to. Call or text (313) 349-0434 to talk through the right plan.

Annual property taxes are $568.98. Cash buyers get the first year covered by us.

The zoning is RSF-3.5, Single-Family Residential. Site-built homes are allowed. Manufactured homes are allowed when they carry a DCA label and meet the 150 mph Exposure C wind rating, which is the standard hurricane spec for Charlotte County. Modular homes are allowed when DBPR-approved and built to the Florida Building Code. Mobile homes are not allowed in RSF districts per Charlotte County 3-9-33. There's no minimum square footage beyond what the Florida Building Code applies. RVs are not permitted on residential lots, only in RV parks. Setbacks: front 25 ft, rear 10 ft, side interior 7.5 ft, side road 15 ft.

Utilities and the build path. Power runs 76 ft east along Zittle Ave, which is short walking distance for a service line. Water lines are in the area. Sewage would be a septic system installed at build time. Get firm hookup quotes from Charlotte County Utilities before you build, and we'll send the parcel info to make those calls easy.

The lot is in FEMA Flood Zone X, the lowest-risk rating, so a lender won't require flood insurance. No wetlands. No HOA. The survey is on file. The terrain is flat and the lot is a clean 80 by 125 ft platted parcel.

Port Charlotte itself is part of the larger Charlotte Harbor area, with about 60,000 residents, a Walmart, hospitals, and easy access to both Gulf-coast beaches and the I-75 corridor.

We close through a title company with title insurance. You get a warranty deed recorded in your name, not a contract for deed. We cover escrow, closing fees, and the insurance policy. Title is free and clear. Cash closings run about 2 weeks. To lock the parcel in your name we need both a deposit and a signed purchase agreement, deposit alone doesn't hold it.

Call or text us anytime at (313) 349-0434 and we'll send paperwork over and talk through monthly payment options together.