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Charlotte County, Florida VA Home Loan Info

The 2019 $0 down, VA home loan limit for Charlotte County is $484,350.

Charlotte County, Florida homes for saleNoted for its small town feel, Charlotte County is primarily an agricultural producer and residential county. Spread out over 858 square miles, and located along the southern coast of Florida, roughly 160,000 people call the county home. Founded in 1921, Charlotte County is named for the Charlotte Bay, originally called Carlos Bay by the Spanish; the name change was carried out to honor Queen Charlotte Sophia, wife of King George III.

The total population of Charlotte County is 159.978, with a robust portion of residents living in Punta Gorda, the only incorporated city in the county. Having been settled in the 1880’s, numerous historic buildings are found in Punta Gorda, including the A.C. Freeman House, H.W. Smith Building and the Old First National Bank of Punta Gorda. The Old Charlotte County Courthouse built in 1927 after remodeling remains in use to this day.

Governed by a commission of five elected officials, all serving for year terms, the county is historically split along Democratic and Republican lines. The previous seven presidential elections have seen a Republican candidate take the county.

A subtropical climate, impacted by the Gulf is high in humidity and thunderstorms. Noted for its pleasant, sun-filled winters, locals enjoy year round golf and boating. The Charlotte Harbor estuary is a beautiful portion of Charlotte Harbor, defined by its sand bars, loggerhead sea turtles and sturgeon.

With a median home cost of $138,000, an unemployment rate of only 5.50 percent, a cost of living 3.30 percent lower than the American average and a public school expenditure of $1,000 more per student than the national average, it is easy to understand why the population has grown by 13 percent since the year 2000.

Interested in applying for a VA Home Loan in Charlotte County? Click here!

Veterans in Charlotte County

21,030 veterans live in Charlotte County. The Port-Charlotte Community-Based Outpatient Clinic serves local veterans, providing primary care and specific specialty services. The Veteran Services Division of Charlotte County, also located in Port Charlotte, further assists veterans with claims, benefits, entitlements, life insurance programs, pensions and referrals.

A disabled property tax exemption is accessible for veteran homeowners in Charlotte County that sustained a service-related injury which has resulted in a disability rating of ten percent or greater. The exemption is redeemable for $5,000. A 100 percent disability rating allows disabled veterans a complete property tax exemption.

VFW Post

Post 5690 Port Charlotte Post
23204 Freedom Ave
Punta Gorda, FL 33980-2901
United States
Phone: (941) 629-4200

Meeting Location & Time
23204 Freedom Ave
Port Charlotte, FL 33980
United States

10:00 AM 2nd Saturday

Quartermaster: Donald Benn
Commander: Grover Martin

Maximum VA Appraisal Fees Allowable In Charlotte County:

  • Single Family: $425
  • Condominium: $425
  • Manufactured Housing: $425
  • Duplex $500
  • Triplex: $550
  • Fourplex: $600
  • Repair Certification: 100

Charlotte County Property Search

The VA HLC property search can be used for the following areas:

Boca Grande, Charlotte Harbor, Cleveland, Englewood, Deep Creek, Solana, Rotanda, Placida, Manasota Key, Cape Haze, Punta Gorda, Grove City, Harbour Heights, Murdock

Charlotte County VA Approved Condos

Condo Name (ID) HARBOR WALK (000324)
Status Accepted Without Conditions
Last Update Unavailable
Request Received Date 12/04/2013
Review Completion Date 12/13/2013

Condo Name (ID) NEWPORT GOLF & CC (H00283)
Status Accepted Without Conditions
Last Update Unavailable
Request Received Date 01/01/2001
Review Completion Date 01/01/2001


  1. Florida VA Loan Information: https://www.vahomeloancenters.org/florida-va-home-loan-limits/
  2. VA Loan Information by State: https://www.vahomeloancenters.org/va-loan-limit-maximum-va-loan-amount/