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Port Charlotte · Heritage Oak Park

Heritage Oak Park Homes for Sale

Charlotte County recorded 42 sales in Heritage Oak Park at a $217,500 median. Homes, villas and condos, the CDD, the associations and costs, section by section.
All Port Charlotte Homes for Sale

Heritage Oak Park is a gated community of homes, villas and condominiums in the Murdock area of Port Charlotte, ZIP 33948, and this page covers Heritage Oak Park homes for sale using Charlotte County's recorded sales, the Community Development District's own budget and the associations' own documents. We define it as every county parcel whose short legal starts with HOP, WCH or WEH: 677 parcels in all, in tax district 115. It sits in unincorporated Charlotte County, so the county, not a city hall, governs zoning, permits, utilities and taxes. For the whole market, see our Port Charlotte homes for sale page.

Charlotte County recorded 42 sales across the three plats at a $217,500 median, from October 1, 2025 through August 21, 2026 (county files dated October 28, 2026). Homes and villas were 24 sales at $246,500, and condominiums were 18 sales at $162,500, so we show the two separately throughout. The community district's assessment for fiscal year 2027 is $2,112.56 or $2,154.19 per unit on the tax bill. Live listings are in the search below.

By Jesse McGreevy and Marc Comisar, Domain Realty Group. Data updated: October 2026. Call Domain Realty Group at 239-441-2816.

Key takeaways for Heritage Oak Park buyers

These are the facts that decide most Heritage Oak Park purchases, drawn from county recorded sales, county tax sheets, the district's adopted budget, the associations' own sites and federal and state flood and insurance sources. Each bullet carries its footprint and window, and the sections below show the sources and the arithmetic behind every figure.

Data updated: October 2026.

  • Footprint: every county parcel with a HOP, WCH or WEH short legal, 677 parcels in ZIP 33948 and tax district 115. The county codes 455 as single family, but the district bills most of its 693 units as multifamily, so we say homes and villas, not 455 detached homes.
  • Sales: 42 qualified sales at a $217,500 median from October 1, 2025 through August 21, 2026, from $67,400 to $315,000. That blend mixes two products that sell about $84,000 apart.
  • Homes and villas: 24 sales at $246,500, from $200,000 to $315,000, with 0 builder-direct sales, 0 pools and 0 homes built after 2005.
  • Condominiums: 18 sales at $162,500, from $67,400 to $225,000; Waterside Club recorded 13 at $160,000 and Waters Edge recorded 5 at $180,000.
  • Direction: home medians were $317,000 in 2023, $278,950 in 2024, $241,000 in 2025 and $255,000 for 2026 through August 21. We do not forecast.
  • The district: the Heritage Oak Park Community Development District owns and runs the gate, roads, lakes, drainage, lodge, pool and courts. Its fiscal year 2027 assessment is $2,154.19 or $2,112.56 per unit, each up $75, and its debt is scheduled to end May 1, 2035.
  • Taxes: district 115 is 15.3705 mills for 2026, so a home at the $246,500 median works out to about $3,788.83 a year without exemptions, before the district line, dues, insurance and utilities.
  • Associations: a master association sits beside the district, and the condominium buildings have their own associations. Waters Edge publishes $925 a quarter as of January 1, 2025; other dues are not public, so order the estoppel certificate.
  • Flood and roofs: we print no FEMA zone because we have not read one, original roofs are about 21 to 28 years old, and Citizens will require flood coverage on its wind-covered residential policies from January 1, 2027.
Heritage Oak Park snapshot (October 1, 2025 through August 21, 2026)SalesMedian
All three plats42$217,500
Homes and villas (HOP)24$246,500
Condominiums (Waterside Club and Waters Edge)18$162,500
Waterside Club (WCH)13$160,000
Waters Edge (WEH)5$180,000

Source: Charlotte County Property Appraiser recorded sales and parcel files dated October 28, 2026, compiled by Domain Realty Group; 677 parcels with HOP, WCH or WEH short legals.

Where can I see Heritage Oak Park homes for sale right now?

Heritage Oak Park homes for sale are on our MLS-fed map, which you can open by keyword for single family homes or for condominiums. Live counts and asking prices appear in the search, not on this page, which adds recorded county sales and the district, association, flood and cost facts.

Data updated: October 2026.

The search matches the name, so check the subdivision shown on each listing before you rely on it. Search sites report very different counts for "Heritage Oak Park" on the same day, because each draws the boundary differently, some file the community under a Punta Gorda postal name, and some mix in other places with a similar name, such as Heritage Oaks in Sarasota or Heritage Landing in Punta Gorda. This page states its boundary instead, in the next section, so that every county figure below can be matched to the same set of parcels.

What is Heritage Oak Park, and where is it?

Heritage Oak Park is a gated community of 677 Charlotte County parcels in ZIP 33948, in the Murdock area of Port Charlotte, with its lodge and district office at 19520 Heritage Oak Boulevard. It includes homes and villas, Waterside Club condominiums and Waters Edge condominiums, and it has no golf course on site.

Data updated: October 2026.

We define Heritage Oak Park as every county parcel whose short legal starts with HOP, WCH or WEH, which is how the Property Appraiser files the plats. That gives 677 parcels: 465 in HOP (455 coded single family, 4 vacant residential and 6 other uses), 158 in WCH (Waterside Club at Heritage Oak Park) and 54 in WEH (Waters Edge at Heritage Oak Park). The district counts 693 assessed units, which the Waters Edge association describes as 12 neighborhoods, so its number and the county's differ, and we explain why in the sections below. Only the county file lets us count the same set of parcels in every table that follows.

Where exactly is Heritage Oak Park?

Heritage Oak Park is in the Murdock area of Port Charlotte, and the clubhouse (the Lodge) and the district office are at 19520 Heritage Oak Boulevard, Port Charlotte, FL 33948. The county ordinance that created the district describes about 104 acres inside the Murdock Center development of regional impact, bounded by Quesada Avenue, Peachland Boulevard, the Lion Heart Waterway and the Crestview Waterway.

Of the 677 parcels, 667 carry ZIP 33948 and 10 carry no ZIP on the roll. The streets with the most single family coded homes are Red Oak Lane (259), Green Oak Trail (94), Winding Oak Drive (34), Live Oak Circle (30), Heritage Oak Boulevard (13), Bent Oak Court (10), White Oak Trail (9) and Old Oak Trail (6). The condominium buildings sit on Water Oak Drive, and the Waters Edge association lists 19315 Water Oak Drive as its address.

Which neighborhoods and condos make it up?

Heritage Oak Park is 12 neighborhoods: five run under the master association and seven condominium associations, according to the Waters Edge association's own site. The county roll shows the two condominium sections we can match by name, Waterside Club (WCH, 156 condominium parcels plus 2 other) and Waters Edge (WEH, 52 condominium parcels plus 2 other), beside the 455 homes and villas in HOP.

Sunbiz lists active associations for Waterside Club I to IV, a Waterside Club Garages association and Waters Edge. Waterside Club I describes two buildings of 24 units each, 48 of the 156 Waterside Club condominium parcels, and Waters Edge describes 52 units, which matches its 52 condominium parcels on the roll. A homeowners association directory lists Heritage Villas at Heritage Oak Park as a condominium, but we have not confirmed it in a first-party record, so we do not name the seventh association as fact.

Who created it?

Charlotte County created the Heritage Oak Park Community Development District by Ordinance 98-0470A0, adopted July 7, 1998, on a petition filed May 21, 1998 by Ramar, Ltd., a Florida limited partnership. The district's own posted copy of the ordinance shows about 104 acres, and the district was created to build or own the water management system, roads, lighting, parks, gates and irrigation.

The ordinance does not let the district run its own water and sewer utility, and it binds buildings to the county codes in force. That matters to a buyer because the buildings were permitted under county rules, and the county's permit portal is the place to see each address's history. The county roll shows the first homes built in 1998, so the community built out over about seven years, from 1998 through 2005.

Is Heritage Oak Park age restricted?

The recorded documents decide that question, not a website, and we cover where to read them in the declarations section below. Heritage Oak Park's master association, its district and its condominium associations each publish different documents, so the answer for one building does not automatically apply to another.

Is Heritage Oak Park gated?

Yes. The district owns and maintains the entrance and exit gates and a gatehouse, and its adopted budget carries gate, gatehouse and security camera repair lines. The district's page says the gates are on Quesada Avenue and Peachland Boulevard, owners use a remote opener or access card, and visitors type a resident's name at the keypad to ring that resident's phone.

We found no first-party page that says whether the gate is staffed or at what hours, so we do not state it. The district sells gate bar codes, remotes and access cards, and the fiscal year 2027 budget shows $1,200 of expected remote revenue and $300 of access card revenue. Ask the district office for the current gate procedure before you close.

How many homes are in Heritage Oak Park?

The district bills 693 units, and the county roll shows 677 parcels, so the honest answer is "about 700 units, depending on who is counting." Of the county's parcels, 455 are coded single family, 208 are condominium, 4 are vacant residential and 10 are other uses such as common areas.

The county's single family code covers homes and villas on lots, and the district's own classes are different: its budget counts 39 units in a single family class and 654 in a multifamily class. Because the district defines its classes in its own methodology, we do not say how many of the 455 pay which rate. A buyer finds the answer on the "Heritage Oak Park CDD" line of the tax bill.

Is it the same as Heritage Oaks or Heritage Landing?

No. Heritage Oak Park is the Port Charlotte community in ZIP 33948. Heritage Oaks Golf and Country Club is in Sarasota, Heritage Landing Golf and Country Club is in Punta Gorda, and a Heritage Oaks community exists in Tequesta. Riverwood, another Port Charlotte community, also appears in some of the same searches.

Some guides file Heritage Oak Park under a Punta Gorda web address, but the county roll puts 667 of its parcels in ZIP 33948, which is Port Charlotte. Use the street address, 19520 Heritage Oak Boulevard, and the short legals HOP, WCH and WEH to be sure you are looking at the right place.

What do Heritage Oak Park homes and condos sell for?

Heritage Oak Park homes and villas sold for a $246,500 median across 24 recorded sales from October 1, 2025 through August 21, 2026, while condominiums sold for $162,500 across 18 sales. All three plats together recorded 42 sales at $217,500. These are county recorded sales, not asking prices.

Data updated: October 2026.

The lead window runs from October 1, 2025 through August 21, 2026, the same window our Port Charlotte hub prints for Heritage Oak Park, and 42 sales is a thin sample, so read every median with its count. We tracked every recorded sale on the three plats in the county file, and kept qualified improved sales over $1,000. Where a table uses a different window or footprint, the heading or source line says so. The newest sale in the county file is dated August 21, 2026, and the county files themselves are dated October 28, 2026.

Recorded sales in the lead window

The county recorded 42 qualified improved sales on the three plats at a $217,500 median, from $67,400 to $315,000. The blended number hides two markets, because homes and villas and condominiums sell about $84,000 apart, so the table splits the window by product and by plat.

Group (October 1, 2025 through August 21, 2026)SalesMedianLowestHighest
All three plats42$217,500$67,400$315,000
Homes and villas (HOP)24$246,500$200,000$315,000
Condominiums, both plats18$162,500$67,400$225,000
Waterside Club (WCH)13$160,000$124,000$215,000
Waters Edge (WEH)5$180,000$67,400$225,000

Source: Charlotte County Property Appraiser recorded sales and parcel files dated October 28, 2026, compiled by Domain Realty Group; 677 parcels. The lowest Waters Edge sale, $67,400 on November 5, 2025, is far below the next lowest condominium sale of $124,000 in this window, and it is a recorded qualified sale that stays in every median.

Homes and villas

The 24 home and villa sales ran from $200,000 to $315,000 at a $246,500 median. Seven of the 24 sold above $265,000 and five sold below $225,000. Every one was a resale, since the county file records 0 first sales of a home within a year of its year built in the 36 months to August 21, 2026.

By quarter, the county recorded 8 home and villa sales from October through December 2025, 7 from January through March 2026, 6 from April through June 2026 and 3 from July 1 through August 21, 2026. That is roughly two to three closed sales a month in the whole community, which is why one unusual sale can move a median and why we publish ranges and counts beside each one.

Condominiums

The 18 condominium sales ran from $67,400 to $225,000 at a $162,500 median. Waterside Club recorded 13 at $160,000 and Waters Edge recorded 5 at $180,000. By quarter, condominiums recorded 6 sales from October through December 2025, 2 from January through March 2026, 9 from April through June 2026 and 1 from July 1 through August 21, 2026.

Waterside Club units on the roll run from 784 to 1,293 square feet with a median of 936, built 2002 to 2004. Waters Edge units are 1,227 or 1,426 square feet, built 2000 to 2001. If you compare a Heritage Oak Park condominium with other Port Charlotte condominiums, compare it with condominiums in ZIP 33948, not with the single family market. The condominium section below covers the buildings, and our Port Charlotte condos for sale page covers the wider condominium market.

By calendar year

Home and villa medians rose from $165,000 in 2016 to a $317,000 peak in 2023, then eased to $241,000 in 2025 and $255,000 for 2026 through August 21. The 2026 median is 19.6 percent below 2023 and 54.5 percent above 2016. We report the history and do not forecast.

YearHome and villa salesMedianRange
201630$165,000$144,100 to $195,000
201721$180,100$143,500 to $214,000
201830$188,000$160,000 to $220,000
201931$190,000$165,000 to $210,000
202032$197,750$173,500 to $220,000
202129$225,000$186,900 to $280,000
202226$312,500$230,000 to $375,000
202322$317,000$255,000 to $350,000
202424$278,950$232,500 to $355,000
202531$241,000$200,000 to $385,000
2026 (through August 21)16$255,000$209,000 to $281,500

Condominium medians for both plats together peaked at $237,000 in 2022 and were $220,000 in 2023, $225,450 in 2024, $170,000 in 2025 and $175,000 for 2026 through August 21.

Source: Charlotte County Property Appraiser recorded sales files dated October 28, 2026, compiled by Domain Realty Group; HOP for homes and villas, WCH plus WEH for condominiums.

Other windows

Other windows tell the same story, and each is labelled. In the 12 months after August 21, 2025, the county recorded 25 home and villa sales at a $250,000 median, from $200,000 to $385,000. In the 24 months after August 20, 2024 it recorded 56 at $260,500, and in the 36 months after August 21, 2023 it recorded 78 at $266,000. All were resales. The highest sale in any of these windows is $385,000.

In the 24 months after August 20, 2024, Waterside Club recorded 18 sales at $162,500 and Waters Edge recorded 8 at $185,400.

Window (ending August 21, 2026)Home and villa salesMedianCondominium salesMedian
Lead window, since October 1, 202524$246,50018$162,500
12 months25$250,00019$165,000
24 months56$260,50026$172,500
36 months78$266,00042$192,500

Match the window before you compare this page with any other source. A site that shows a different count or median may be using a different footprint, a different date range or asking prices.

Price per square foot

Homes and villas sold at a median $185 per living square foot in the 12 months to August 21, 2026 (25 sales), $193 in 24 months (56 sales) and $198 in 36 months (78 sales). Condominiums sold at $158 in 12 months (19 sales), $160 in 24 months (26 sales) and $180 in 36 months (42 sales). The six Port Charlotte ZIPs combined had a single family median of $189 per square foot over the 12 months to September 9, 2026.

Which floor plans sell for what

Home sizes cluster at a few plans. In the lead window, 15 of the 24 home and villa sales were 1,364 square feet, 8 were 1,190 or 1,191 square feet and one was 1,535 square feet. The county's middle half of living area is 1,191 to 1,364 square feet.

Living area (lead window, homes and villas)SalesMedianRange
1,364 square feet15$243,000$200,000 to $315,000
1,191 square feet4$272,000$260,000 to $279,200
1,190 square feet4$215,000$209,000 to $225,000
1,535 square feet1$277,500$277,500

Source: Charlotte County recorded sale list for the lead window, grouped by the living area on the roll by Domain Realty Group. The counts are small, so treat the medians as a description of this window and not a price for a plan. Homes built in 2000 or earlier sold at a $270,000 median (7 sales) and homes built in 2001 or later at $238,900 (17 sales), again small counts. We have not matched living areas to plan names, which is an MLS item.

Price bands

In the 24 months to August 21, 2026, 49 of the 56 home and villa sales (87.5 percent) were between $200,000 and $300,000, and 7 (12.5 percent) were between $300,000 and $400,000. None sold below $200,000 or above $385,000. Within the first group, 23 sales (41.1 percent) were from $200,000 to $250,000 and 26 (46.4 percent) were from $250,000 to $300,000.

For condominiums in the same 24 months, 15 of 26 sales (57.7 percent) were from $150,000 to $200,000, and none sold above $227,000.

Compared with the hub

Our Port Charlotte hub prints the Heritage Oak Park group as 42 sales at $217,500 and the home and villa subset as 24 at $246,500, and this page reproduces both to the dollar. The wider market is higher: the six Port Charlotte ZIPs recorded 2,636 single family sales at a $301,400 median from October 1, 2025 through September 9, 2026, and 219 condominium sales at $125,000.

Within ZIP 33948 as a whole, 478 single family sales in the 12 months to September 9, 2026 had a $290,000 median, about $40,000 above Heritage Oak Park's $250,000 on 25 sales in the 12 months to August 21, 2026.

What kinds of homes are in Heritage Oak Park?

Heritage Oak Park has 455 county-coded single family homes and villas built from 1998 to 2005 at a 2001 median, a median of 1,364 square feet, plus 208 condominium parcels in Waterside Club and Waters Edge. The roll shows no pools and no homes built after 2005, and the county recorded no builder-direct sales in the 36 months to August 21, 2026.

Data updated: October 2026.

The mix is homes and villas on streets named for oaks, and condominium buildings on Water Oak Drive. The county's "single family" label does not tell you whether a given building is detached or attached, so look at the Property Appraiser sketch and the plat for the address you are considering.

Villas and homes

The 455 coded single family parcels have living areas that cluster at 1,190 or 1,191 and 1,364 square feet, with a few larger, such as the 1,535 square foot home that sold in January 2026 at $277,500. Listings we read describe two bedrooms and two bathrooms for these plans, but the county file does not carry bedroom counts. We found no verified builder for the community, so we name none; the contractor appears on the building permit for an address.

Condo buildings

Waterside Club is a set of condominium associations on Water Oak Drive, with units of 784 to 1,293 square feet built 2002 to 2004. Waters Edge is 52 units in five two-story buildings with covered carports and limited garages, built 2000 to 2001. Waterside Club I describes two three-floor buildings with elevators, and the Waters Edge site describes the master community as "Two Story Condos, Villas, Carriage Homes and Three Story Condominiums." The county puts a lake flag on 166 of the 208 condominium parcels; it refers to the community's interior lake, and we do not describe these units as having water access.

Year built and size

Every home and villa was built from 1998 to 2005. By decade, 106 are from the 1990s and 349 are from the 2000s, and the median year built is 2001. The county shows no home built in 2020 or later. Of the 455, 278 were built 1998 to 2001 and 177 were built 2002 or later.

The median living area is 1,364 square feet, and the middle half runs from 1,191 to 1,364. For comparison, the median Port Charlotte single family home in ZIP 33948 as a whole was built in 1988 and has 1,508 square feet, and the six-ZIP median was built in 1992 and has 1,612 square feet.

Pools

The county roll flags none of the 455 home and villa parcels and none of the 208 condominium parcels with a private pool. The community pool is a district amenity, open dawn to dusk. The six Port Charlotte ZIPs combined show a pool flag on 38.0 percent of single family parcels, so a buyer who wants a private pool is shopping elsewhere.

Building code era

Heritage Oak Park spans the first statewide Florida Building Code, which took effect on March 1, 2002. Homes with a 1998 to 2001 year built were permitted under Charlotte County's local codes, and homes built 2002 or later may fall under either, since a permit usually comes before completion. Year built and permit date can differ, so let the permit date for each address decide. Hurricane Charley struck Punta Gorda and Port Charlotte on August 13, 2004, and 453 of the 455 homes were built in 1998 to 2003.

Roofs

An original roof on a 1998 to 2005 home is now about 21 to 28 years old, and insurers will ask for its age. Citizens requires documented remaining life of at least five years for shingle roofs older than 25 years, and a 2001 shingle roof crossed 25 years in 2026. Roof year is not on the county roll, and a competitor claim of new roofs in 2018, 2021 or 2023 has no source we can check. For condominiums the association usually owns the building roof, so ask when it was last replaced and whether it is in the reserve schedule.

Permit history

The Charlotte County Citizen Access portal shows permits by address: choose "Look Up by Address," enter the street number and name, and open any record to see its type, status, contractor and inspections. A roof, window or air conditioning permit date answers most age questions. Condominium unit permits usually pull under the association's master building address, so search the building address and the unit number separately, and use the county portal, not a third-party permit site.

What does it cost to own in Heritage Oak Park each year?

Heritage Oak Park owners pay county property tax at 15.3705 mills in district 115, a community development district assessment of $2,112.56 or $2,154.19 for fiscal year 2027, association dues that vary by building, insurance and utilities. At the $246,500 home median, tax without exemptions is about $3,788.83 before the district line.

Data updated: October 2026.

The recurring costs sit in four places: the county tax bill (ad valorem tax plus the district's non-ad valorem line), the association dues, insurance, and utilities. Only the first is published to the dollar for the whole community, so the rest are sources to ask for, and we print a figure only where a dated first-party document supports it.

Property tax in district 115

All 677 Heritage Oak Park parcels are in tax district 115. The Property Appraiser's 2026 final rate chart gives the district a total of 15.3705 mills: county 6.1275, law enforcement 2.3578, lighting 0.1907, county debt 0.2000, fire 0.0394, the water management district 0.1831, state school 3.0240 and local school 3.2480. The school share is 6.2720 mills and the non-school share is 9.0985. District 115 has no extra county line, and the district's assessment is not in the millage.

The table applies those rates to the county medians. It assumes assessed value equals the sale price in the first year, which is the conservative case because Save Our Homes resets at sale, and the homestead column assumes the standard structure of $25,000 off the school value and $50,000 off the non-school value. These are estimates, so confirm your exemptions with the Property Appraiser.

Estimate, 2026 ratesHome at $246,500 medianCondominium at $162,500 median
Non-homestead tax (15.3705 mills)$3,788.83$2,497.71
Homestead school tax (6.2720 mills)$1,389.25 on $221,500$862.40 on $137,500
Homestead non-school tax (9.0985 mills)$1,787.86 on $196,500$1,023.58 on $112,500
Homestead total$3,177.11$1,885.98

Source: Charlotte County Property Appraiser 2026 final rate chart, district 115; medians from the lead window; arithmetic by Domain Realty Group. Sale price is not assessed value, and the roll for a given home may differ.

The CDD assessment

The district's assessment is a separate non-ad valorem line on the same tax bill: $2,154.19 per unit in its single family class and $2,112.56 in its multifamily class for fiscal year 2027, adopted August 20, 2026. Both include $1,830.17 for operations plus $324.03 or $282.39 of debt service, as the budget rounds them. The district's budget does not define its classes, so the tax bill shows which one a parcel pays.

Association dues

Master association and condominium dues are not published in any first-party source we could read for most of the community, and third-party figures contradict each other by a factor of four, so we print none of them. The estoppel certificate is the dependable source. Condominium buyers should expect two layers, the building association's dues and the master association's charge, which may sit inside the building's dues, as the Waters Edge example below shows.

Waters Edge dues example

Waters Edge publishes a question-and-answer sheet dated January 1, 2025 that gives its assessment as $925 a quarter, or $3,700 a year, including $18.00 per unit per month paid to the master association. Assessments are due on the first day of January, April, July and October, and there is no recreation lease or rent. The same sheet allows one dog or cat per unit and requires leases of at least three months for the whole unit only. The figure is dated and describes Waters Edge only, so ask for the current budget.

Insurance

Citizens' approved Charlotte County averages, effective July 1, 2026 for new policies, are $2,887 for a homeowners multiperil policy (down from $3,069), $1,438 for a condominium unit owner policy (down from $1,642) and $4,799 for a wind-only homeowners policy. These are county averages, not Heritage Oak Park quotes, and only 104 condominium unit owner policies sit with Citizens county-wide. The flood section below covers four-point, roof and flood rules; collect quotes from an independent agent using the rebuild value.

Utilities

Water and sewer are expected to come from Charlotte County Utilities, whose April 1, 2026 rates produce about $146.15 a month at 5,000 gallons of each, before taxes and fees. The utilities section below has the rate tables. The district pays for the clubhouse's cable, the streetlights and the irrigation pumps, so those costs sit inside the assessment.

Yearly cost checklist

Use this table to build your own estimate. The tax and district figures are computed above; the rest are ask-for lines.

Cost lineHome or villaCondominiumWhere the number comes from
Property tax, no exemptions$3,788.83$2,497.71District 115 rate on the median price
Property tax, standard homestead$3,177.11$1,885.98Same, with the assumed exemptions
CDD assessment, fiscal year 2027$2,112.56 or $2,154.19$2,112.56 or $2,154.19District budget; class shown on your tax bill
Tax bill with district line, no exemptions$5,901.39 to $5,943.02$4,610.27 to $4,651.90Sum of the two lines above
Tax bill with district line, homestead$5,289.67 to $5,331.30$3,998.54 to $4,040.17Sum of the two lines above
Master association duesAsk for the estoppelAsk; may be inside building duesAssociation budget or estoppel
Building association duesNot applicableWaters Edge: $925 a quarter (January 1, 2025)Estoppel; Waters Edge Q and A sheet
InsuranceQuote neededQuote neededIndependent agent; Citizens county averages are only a guide
Water and sewerAbout $146.15 a month at 5,000 gallonsSame, if the building bills individuallyCounty rate tables
ElectricFPL typical $136.64 for 1,000 kWhSameFPL rate agreement
Solid wasteNon-ad valorem line on the tax billSameRead your last tax bill

Divide the tax bill totals by 12 to get a monthly figure: the home at the median with the district line is about $491.78 to $495.25 a month without exemptions and $440.81 to $444.28 with homestead. Those are tax bill lines only, before dues, insurance and utilities.

What is the Heritage Oak Park CDD?

Heritage Oak Park Community Development District is an independent special-purpose local government created by Charlotte County in 1998. It owns and runs the community's gate, roads, lakes, drainage, lodge, pool and courts, and it bills owners a non-ad valorem assessment on the county tax bill: $2,154.19 or $2,112.56 per unit for fiscal year 2027.

Data updated: October 2026.

The district operates under Chapter 190 of the Florida Statutes, is managed by Inframark, and publishes its budgets, audits, minutes and policies at hopcdd.org. It is not the homeowners association, and it has no duty to maintain private homes. The two bodies are separate, with separate documents.

What it owns and runs

The district's own pages say it maintains streets and streetlights, conservation areas, perimeter fences and gates, surface water management systems, irrigation pumps and the recreation facilities, and a 2016 draft public facilities report lists the clubhouse, pool, maintenance garage, parking lot, streets, lighting, stormwater system, irrigation, perimeter buffers and the entry gates and guard house as district-owned. The county roll shows the district as the owner of roads and tracts.

The district also provides irrigation service to private lots and bills it as a line item on the tax bill. The source of the irrigation water is not stated in the pages we read. Stormwater is a district asset funded by assessments, so a buyer who asks about drainage should ask the district office and read its minutes.

Fiscal year 2027 budget

The district's fiscal year runs October 1 to September 30. The adopted fiscal year 2027 general fund budget, approved August 20, 2026, balances at $1,316,274, funded mainly by $1,268,306 of special assessments before a $50,732 early-payment discount, plus $52,700 of recreation activity fees and smaller revenue lines. Dividing the assessments by 693 units gives $1,830.17, the operating rate.

Fiscal year 2027 expenditure groupAmount
Administrative$187,723
Field operations (management $172,653, landscape $113,712, irrigation contract $55,379, liability insurance $75,998, irrigation repair $72,000, utilities $61,600, and more)$746,967
Gate, gatehouse and security cameras$14,428
Parks and recreation$227,327
Road and street facilities$87,129
Special recreation (events and social committee)$52,700
Total$1,316,274

Source: Heritage Oak Park CDD fiscal year 2027 final adopted budget, adopted August 20, 2026.

The budget also shows the pressure behind the increase: fiscal year 2026 projected expenditures of $1,423,131 against an adopted $1,264,781, and a projected drop in fund balance of $175,128 to about $957,798. Assessments have risen each year since fiscal year 2022; we do not forecast the next change.

Assessment history

The district's own comparison tables show the total per unit in the multifamily class rising from $1,687.56 in fiscal year 2022 to $2,112.56 in fiscal year 2027, and the single family class from $1,729.20 to $2,154.19. The operating share rose from $1,405.17 to $1,830.17, about 30 percent, while the debt share has been flat.

Fiscal yearOperating, both classesDebt, single family classDebt, multifamily classTotal single family classTotal multifamily class
2022$1,405.17$324.03$282.39$1,729.20$1,687.56
2023$1,455.17$324.03$282.39$1,779.20$1,737.56
2024$1,655.17$324.03$282.39$1,979.20$1,937.57
2025$1,655.17$324.03$282.39$1,979.20$1,937.56
2026$1,755.17$324.03$282.39$2,079.20$2,037.57
2027$1,830.17$324.03$282.39$2,154.19$2,112.56

Source: Heritage Oak Park CDD adopted budgets, fiscal years 2023 through 2027, comparison of assessment rates. An answer that quotes $2,038 a year is the fiscal year 2026 multifamily figure, one year old.

The district's debt

The district entered a $2,000,000 loan agreement with Valley National Bank on August 21, 2020 at a fixed 3.690 percent, with interest due each November 1 and May 1 and principal paid from May 1, 2022 to May 1, 2035. The budget calls it the Series 2020 Bonds, and the audit describes a loan, so we treat it as a bank loan and not a publicly traded bond.

The balance was $1,613,625 on November 1, 2024, $1,480,015 on November 1, 2025 and is scheduled to be $1,343,921 after the November 1, 2026 payment and $1,205,297 after November 1, 2027. The debt part of the assessment, $324.03 or $282.39 per unit, is scheduled to end after the May 1, 2035 payment unless the board issues new debt. The district can levy assessments, borrow and issue bonds, and we found no source on prepayment rights.

Fiscal yearScheduled principalScheduled interest
2026$136,094$54,612
2027$138,624$49,590
2028$141,202$44,476
2029$143,827$39,264
2030$146,501$33,258
2031 to 2035$773,768$86,686

Source: Heritage Oak Park CDD fiscal year 2025 audit by Grau and Associates, filed with the Florida Auditor General, debt service schedule from fiscal year 2026. The audit was clean, with no findings and net position of $4,071,861.

How it shows on the tax bill

The assessment is collected by the Charlotte County Tax Collector on the annual tax notice under s. 197.3632. Bills are mailed on or before November 1 and due March 31, with discounts of 4 percent in November, 3 in December, 2 in January and 1 in February. A resale buyer sees the district line on the tax bill and the estoppel certificate, because the contract notice in s. 190.048 applies to the first sale of a parcel. Read the "Heritage Oak Park CDD" line on the last bill before you offer.

Board and meetings

The district has five supervisors with four-year staggered terms, elected in the November general election by registered voters who live in the district. The board meets on the third Thursday of the month at 10:00 a.m. at the Lodge, with workshops at 9:00 a.m.; the next dates listed are November 19 and December 10, 2026. The recap of the October 15, 2026 meeting reports paving of Live Oak and Heritage Oak scheduled to start milling on November 2, 2026, a failed lake recharge pump replaced for $12,601 and a dredging proposal behind Waterside Club IV under study.

Which associations govern Heritage Oak Park, and what do the documents say?

Heritage Oak Park is governed by the community development district, a master association called Heritage Oak Park Community Association, Inc., and separate condominium associations for each condominium building group. Each has its own documents, so read the declaration, budget and rules for the specific neighborhood and building you are considering before you make an offer.

Data updated: October 2026.

The community has 12 neighborhoods, five under the master association and seven condominium associations. That is why there is no single "HOA fee" for Heritage Oak Park, and why listing sites and artificial intelligence answers disagree about dues.

Master association

Heritage Oak Park Community Association, Inc. is a Florida not-for-profit corporation, Sunbiz document N99000001979, filed March 30, 1999 and active, with its principal address at 19520 Heritage Oak Boulevard and Inframark, LLC as registered agent. Sunbiz shows annual reports filed in 2024, 2025 and January 2026.

Inframark also manages the district, and the association's resident portal is run through it. Under a January 3, 2022 agreement with the district, the association pays the district $3,000 a year for shared office services and $30,000 a year for routine irrigation repairs. The recorded declaration of covenants is the master document, and its dues are not published.

Condominium associations

Sunbiz lists active associations for Waterside Club I (N02000002180), II (N03000006393), III (N04000007345) and IV (N03000009641), a Waterside Club Garages association (N02000006231) and Water's Edge at Heritage Oak Park Association, Inc. (N00000001840, filed March 21, 2000). Waters Edge describes itself as self-managed by a resident board, and Waterside Club IV points to Gateway Management. Each condominium association has its own board, declaration and bylaws, so buying a Waterside Club unit means reading that building's documents, not another building's.

Pets and rentals

The rules differ by neighborhood, and the only first-party rules we could read are for Waters Edge: one dog or cat per unit, and leases of at least three months for the whole unit only, as dated January 1, 2025. The association also reports about 95 percent owner occupancy, a self-reported statistic and not a rule. The district bars pets inside its buildings, with exceptions for service and emotional support animals. For every other neighborhood, the pet, lease, parking and approval rules are in the declaration, so read them and do not rely on a listing or a directory.

Estoppel certificates

An estoppel certificate shows what you will owe the association. Section 720.30851 (master association) and s. 718.116 (condominium) require delivery within 10 business days of a written request, with a fee capped at $250 when nothing is delinquent, plus $100 if delivered within 3 business days and up to $150 more if delinquent. It is effective for 30 days if delivered by hand or email and 35 if mailed, and it must show the assessment, amounts due, any capital contribution or transfer fee and open violations. A buyer is jointly liable with the previous owner for assessments unpaid at transfer, and Florida caps a condominium transfer or lease approval fee at $150 per applicant where the declaration allows one.

Declarations

We found no recorded document that sets an age rule for Heritage Oak Park; read the recorded declarations and each condominium's documents before you make an offer. We also did not find the master declaration's book and page, and the county ordinance posted by the district is the district's charter, not the covenants.

Order the declaration and its amendments from the Clerk of the Circuit Court's official records or the association, and read them for use, lease, pet, parking, approval and assessment rules. Under s. 720.401, a buyer in a homeowners' association should receive a disclosure summary before signing. Each condominium has its own recorded declaration, and we have not read any of them.

Milestone inspections and structural integrity reserve studies

Florida's milestone inspection rule (s. 553.899) and structural integrity reserve study rule (s. 718.112) apply to condominium buildings of three or more habitable stories. A milestone inspection is due by December 31 of the year a building reaches 30 years from its certificate of occupancy, or 25 where the local agency sets it, and every 10 years after. A reserve study is required at least every 10 years, with the first due by December 31, 2025 for existing associations.

Waterside Club I describes two buildings of three floors with elevators, so both rules apply by height. Waters Edge is five two-story buildings with 52 units, outside both rules by height. We could not verify story counts for Waterside Club II, III and IV, so ask each association for its milestone and reserve study status, the reserve schedule and any special assessment notice. Reserves for the study items cannot be waived for budgets adopted on or after December 31, 2024, and completed reports must be provided to prospective purchasers.

What amenities does Heritage Oak Park have?

Heritage Oak Park amenities, owned and run by the community development district, include a lodge with a sports bar room, library and game room, a fitness center, a pool open dawn to dusk, two lighted tennis courts, two shuffleboard courts, two bocce fields, horseshoes, cornhole, lake walking paths and catch-and-release fishing. There is no golf course on site.

Data updated: October 2026.

This list comes from the district's own facilities page, last modified April 18, 2026, and its adopted budget. Third-party pages also name a restaurant, a spa, racquetball and pickleball, but none of those appears on the district's list, so we do not repeat them. If an amenity matters to your decision, confirm it on site or with the district office.

The Lodge and its rooms

The Lodge at 19520 Heritage Oak Boulevard has a screened porch, a kitchen, game tables, a piano and free Wi-Fi, plus the sports bar room (game tables, televisions, a refrigerator and a microwave), a library of books, magazines, DVDs, games and puzzles, and a game room with a pool table and a ping pong table. The sports bar is a room, not a restaurant. The district's policy sets Lodge hours of 7:00 a.m. to 10:00 p.m., a capacity of 175 people and 55 standard plus 3 handicapped parking spaces.

Pool, courts and games

The swimming pool is open every day from dawn to dusk, with the rules posted on the pool deck, and the district's policy sets its capacity at 50 people. Outdoor facilities are two lighted tennis courts, two shuffleboard courts, two bocce fields, a horseshoe area and a cornhole game. Waterside Club I's own site describes a heated pool, which the district's page does not state, so we call it unconfirmed.

Fitness center and paths

The fitness center has a variety of exercise equipment and opens with a key from the district office for a refundable deposit, whose amount the page does not state. Walking paths run around the lake and through the greenbelt. The district's calendar lists events such as a Halloween bash, a craft fair and painting classes, the fiscal year 2027 budget includes $26,700 for a social committee and $21,000 for events, and the district does not sponsor or supervise aerobics.

Lake and fishing

The district treats one lake of 3,038 linear feet under a contract signed in May 2014, and the fiscal year 2027 line of $6,120 equals the 2014 price of $510 a month. Fishing is permitted but catch and release only. We found no district rule on boating, swimming or watercraft in the lake, so we state nothing either way.

Gate, roads and golf carts

The district owns the roads and driveways. Its June 2014 policy sets a 19 mile per hour speed limit, allows motorized vehicles on hard surface roads, driveways and trails only, and allows golf cart parking in the entry circle spaces beyond the canopy. The Lodge is smoke free and bars pets inside district buildings, with exceptions for service and emotional support animals.

Renting the Lodge

The district's policy, last revised in June 2014, lists Lodge rental at $75.00 an hour for residents and owners and $2,500 for non-residents with a four-hour minimum, with a $500 security and cleaning deposit for residents and $4,000 for non-residents. Events must end by 10:00 p.m. and commercial functions are not allowed. These are 2014 rates, so ask the district office for today's schedule.

Golf nearby

Heritage Oak Park has no golf course, putting green or driving range on the district's facility list. The Charlotte Harbor visitor bureau lists nearby courses with street addresses: Kings Gate Golf Club at 24000 Rampart Boulevard, Maple Leaf Golf and Country Club at 2100 Kings Hwy, Riverwood Golf Club at 4100 Riverwood Drive and Deep Creek Golf Club at 1260 San Cristobal Avenue in Punta Gorda. We did not compute distances, and each club sets its own membership terms.

Is Heritage Oak Park in a flood zone?

Heritage Oak Park has no FEMA flood zone printed on this page, because we have not read a FEMA zone for any address, and zones can differ by lot and by building. Read the FEMA Flood Map Service Center by address, ask for an elevation certificate, and ask the seller for the flood disclosure required by s. 689.302.

Data updated: October 2026.

The community sits inland of Charlotte Harbor by our map reading, so rain and river flooding are part of the frame, and the district, not the homeowners, maintains the stormwater lakes and drains. We did not find a published flood water height for any storm at Heritage Oak Park, and we make no claim about damage in any storm.

How do I read the flood zone for one address?

Use FEMA's Flood Map Service Center address search, which returns the flood zone, base flood elevation if shown, panel number and effective date, and a free FIRMette map. FEMA's National Flood Hazard Layer viewer helps for lake-side buildings, because a lake edge can sit in a different zone than the street. The county's Forerunner portal shows flood zone and base flood elevation and lets you download available elevation certificates. Read one result per address, treat the home sections and the two condominium sections as separate lookups, and never extend one address's result to the whole community.

Lakes and the lake flag

The county roll flags 0 of the 455 home and villa parcels with a lake flag, and flags 138 of 156 Waterside Club and 28 of 52 Waters Edge condominium parcels. In Heritage Oak Park that flag refers to the community's interior retention lake behind the gate, not tidal water or boating access. It marks units with lake views and is a reason to check a specific unit, not a flood zone and not a price premium.

What did Charley, Ian, Helene and Milton do?

The National Hurricane Center's reports describe wind, rain, river and surge effects across Charlotte County, and none names Heritage Oak Park. The community sits inland of Charlotte Harbor by our map reading, but we make no claim about which kind of flooding matters most at any address; the FEMA zone and elevation decide that. We found no published Heritage Oak Park water height for any of these storms.

StormNational Hurricane Center textWhat it means here
Charley, August 13, 2004The eyewall struck Punta Gorda and neighboring Port CharlotteA wind event; 453 of 455 homes were built in 1998 to 2003
Ian, September 28, 2022Port Charlotte sensors mostly stayed dry with no measured surge; the Peace, Myakka and Alafia Rivers crested at record levelsRiver and rain flooding, little measured surge at Port Charlotte sensors
Helene, September 26, 2024Surge of 3 to 5 feet inundation from south of Englewood to Bonita Beach, including Charlotte HarborA harbor surge storm
Milton, October 9, 2024Surge of 5 to 8 feet in the northern part of Charlotte Harbor and along the Peace River; a Port Charlotte gauge read 6.62 inches of rainSurge up the Peace River; the rain gauge is an area figure

Source: National Hurricane Center tropical cyclone reports for Charley, Ian, Helene and Milton, read October 29, 2026. The district's fiscal year 2027 budget carries a $25,000 hurricane expense line.

Did we check Ian's damage lists?

We have not checked Heritage Oak Park parcels against the Major Damage and Destroyed lists in the county's Hurricane Ian Long-Term Recovery Plan, so we make no statement either way. The plan does not publish minor damage, the parcel numbers are 2022 values, and condominium buildings can be listed under a common-element parcel instead of unit parcels.

What is the evacuation zone?

The county uses five evacuation zones, A (Red) through E (Purple), and says they are not based solely on elevation. Look up your address on the county's Know Your Zone page; we state no zone for Heritage Oak Park because we did not run an address. For Ian the county ordered Zone A on September 26, 2022 and Zones A and B on September 27, and for Milton Zones A and B on October 7, 2024 and Zones A, B and C on October 8. Shelters may not open, so plan to leave the area.

What does the 50 percent rule mean?

The county's 50 percent rule applies to a building in a FEMA high-risk flood zone that is improved or repaired and does not meet current elevation requirements. If the cost is more than half of the structure's value, it must be brought up to the Florida Building Code, including elevation. The county page says it does not apply to structures in Zone X or D, so it matters only for a building that a flood map places in a high-risk zone.

Why Citizens buyers will carry flood insurance from 2027

Citizens requires flood insurance on most of its personal residential policies that include wind coverage, and the phase-in reaches all such policies, regardless of value, on January 1, 2027, in or out of a flood zone. The 2026 trigger was a $400,000 dwelling (rebuild) value, not a sale price, so ask your agent for the home's Coverage A figure. Exempt are condominium unit owner policies, tenant policies and policies that exclude wind or hail. Flood limits must match the Citizens dwelling value, up to the National Flood Insurance Program maximum of $250,000 on the building.

Flood insurance, the county's rating and the NFIP

Charlotte County is a Class 5 community in FEMA's Community Rating System, which gives a 25 percent discount on full-risk National Flood Insurance Program premiums, including outside the Special Flood Hazard Area. We could not open FEMA's April 2026 eligible-community list, so confirm the class when you shop. Flood insurance is mandatory for federally backed mortgages in Special Flood Hazard Areas, and NFIP premiums depend on the building's own features, including elevation. We never assume that no flood coverage is needed; a lender, Citizens or an association can still require it.

Insurance averages, inspections and roofs

Citizens' approved Charlotte County averages are in the cost section above. Citizens requires a four-point inspection for homes more than 20 years old, and all 455 Heritage Oak Park homes qualify: 106 were built in 1998 and 1999, 172 in 2000 and 2001, 175 in 2002 and 2003 and 2 in 2005. Its roof rule asks for documented remaining life of at least five years on shingle roofs older than 25 years. A wind mitigation inspection on the state's uniform form documents credits an insurer must offer, and the state's home hardening grant program offers free inspections and grants of up to $10,000, subject to funding we could not confirm.

Condominium master policy and unit owner policy

In a condominium the association buys the master policy for the common elements and original building components, and the unit owner buys a policy for contents, interior finishes and loss assessment. Section 718.111 describes the split, and s. 627.714 requires at least $2,000 of property loss assessment coverage. Flood on a condominium building is normally the association's decision, often through the NFIP's residential condominium building policy. Whether Waterside Club or Waters Edge carries flood on its buildings is unverified, so ask for the master policy declarations, the deductible including any named-storm percentage and the reserve schedule.

The seller's flood disclosure

Under s. 689.302, a seller of residential property must give the buyer a flood disclosure at or before the time the contract is signed. It states that homeowners' insurance policies do not include coverage for damage resulting from floods, and it asks whether the seller knows of flooding that damaged the property during their ownership, filed a flood insurance claim, including with the NFIP, or received flood assistance, including from FEMA. Flooding under the statute includes standing water from rainfall, which is a likely inland path here.

What utilities, services and drive times should I expect in Heritage Oak Park?

Heritage Oak Park is expected to use Charlotte County Utilities for water and sewer, Florida Power and Light for electric and Waste Management for trash, but confirm each by address. By our estimate, Punta Gorda Airport is about 20 to 25 minutes away and the two hospitals with emergency rooms are about 8 to 16 minutes away.

Data updated: October 2026.

Heritage Oak Park is in unincorporated Port Charlotte, so Charlotte County is its local government and Charlotte County Utilities is the county water and wastewater utility. Which utility serves a given lot is a lookup, not an assumption, and the sources below tell you where to check.

Water and sewer

We did not confirm that every Heritage Oak Park lot is on central water and central sewer, though the community was platted and built from 1998 with a district. The district's budget carries a $14,800 water and sewer line described as an accrued guaranteed revenue fee for wastewater service. Use the county's utilities availability form for one lot, or ask the seller for a recent bill. Schedule A connection fees, effective April 1, 2026, are $9,118 for water, $11,343 for gravity sewer and $17,596 for low-pressure sewer, and they matter mainly for the 4 vacant residential parcels.

Residential water, 5/8 by 3/4 inch meterApril 1, 2026
Base facility charge$26.77
Customer charge on each bill$5.02
Per 1,000 gallons, 0 to 5,999$6.84
Per 1,000 gallons, 6,000 to 10,999$7.86
Per 1,000 gallons, 11,000 to 15,999$9.91
Per 1,000 gallons, 16,000 to 25,999$11.27
Per 1,000 gallons, 26,000 and above$12.99
Residential sewerApril 1, 2026
Base facility charge$47.26
Per 1,000 gallons (10,000 gallon maximum)$6.58
Customer charge, sewer-only account$5.02
Wastewater-only flat rate, individual residence$113.11

At 5,000 gallons of water and 5,000 gallons of sewer, the water bill is $26.77 plus $5.02 plus 5 times $6.84, or $65.99, and the sewer bill is $47.26 plus 5 times $6.58, or $80.16, which is $146.15 a month before taxes and fees. Source: Charlotte County Utilities rate sheets effective April 1, 2026.

Irrigation

The district operates irrigation pumps and bills irrigation service to private lots through the tax bill, with $55,379 for the irrigation contract and $72,000 for irrigation repair in the fiscal year 2027 budget. The source of the irrigation water is not stated in what we read, so ask the district office.

Electric, trash, internet and schools

Florida Power and Light is the investor-owned electric utility in Charlotte County, and the district holds its own FPL account, with an $8,200 deposit in the budget. FPL's typical residential bill is $136.64 for 1,000 kWh from January 2026, and the Public Service Commission's find-your-utility page confirms the provider by address. Streetlights are district-maintained.

Waste Management is the county curbside hauler, and the solid waste assessment appears on the tax bill's non-ad valorem section; we did not confirm the current amount. The district pays for cable television at its clubhouses only, so we found no bulk cable or internet for homes, and for internet you should check the FCC National Broadband Map by address.

Schools are set by address. Use the Charlotte County Public Schools boundary locator for each home you are considering; we name no school here because a ZIP code does not determine zoning.

Roads and projects near Heritage Oak Park

Inside the community, the district scheduled paving of Live Oak and Heritage Oak to start on November 2, 2026, and the roads are district-owned, so road maintenance sits in the assessment. On the Tamiami Trail corridor, the Charlotte County-Punta Gorda MPO's 2025 priorities list includes turn lanes at US 41 and Forrest Nelson Boulevard and Crestview Circle, with funding and schedule unconfirmed, and FDOT has a US 41 project in downtown Punta Gorda ($24.4 million, completion estimated late 2026) and a State Road 776 resurfacing project ($15.4 million) that began in mid 2026.

Drive times from Heritage Oak Park

These are rough estimates, not measurements. We took a point in the Murdock area as the origin, measured the straight-line distance to each destination's published coordinates, multiplied by a road factor of 1.25 to 1.30, and divided by 35 miles per hour on arterials and 45 to 55 on mixed legs, with free-flow traffic. The true gate may be a mile or two from our origin, and season and gate time will add minutes, so check a map from your address.

DestinationRoad miles (about)Minutes (about)
Punta Gorda Airport14 to 1620 to 25
Southwest Florida International Airport (RSW)50 to 5460 to 70
Downtown Punta Gorda12 to 1422 to 28
HCA Florida Fawcett Hospital, 21298 Olean Boulevard4 to 58 to 12
AdventHealth Port Charlotte, 2500 Harbor Boulevard5 to 712 to 16
Murdock shopping area2 to 46 to 10

Source: straight-line distance times a road factor, computed by Domain Realty Group on October 29, 2026, for the airport, downtown and Fawcett rows; the AdventHealth and Murdock shopping rows are rougher estimates by comparison with nearby measured routes; destination names verified on the hospital, airport and FDOT pages.

What should I check before I make an offer in Heritage Oak Park?

Heritage Oak Park buyers should check twelve things before an offer: the recorded declaration, the estoppel certificates, the disclosure documents, the tax bill's district line, the budget and reserves, the flood zone by address, the flood disclosure, the roof, insurance quotes, the permit history, the pet, lease and parking rules, and gate and amenity access.

Data updated: October 2026.

  1. Identify the neighborhood or building, and order its declaration and amendments from the Clerk's official records or the association. Read them for use, lease, pet, parking, approval and assessment rules.
  2. Request the estoppel certificate from the master association and from the condominium association. It is due in 10 business days and capped at $250 for a clean account, with extra charges for expedited or delinquent accounts.
  3. Get the s. 720.401 disclosure summary for a home, and for a condominium the resale documents the statute lists, and check the current statute for the buyer's right to cancel after receiving them.
  4. Read the last tax bill for the "Heritage Oak Park CDD" line and its class, and compute the first-year tax from the sale price, not the seller's bill.
  5. Ask for each association's current budget and reserve schedule, any special assessment notice, and for a three-story building the structural integrity reserve study and milestone inspection status.
  6. Read the FEMA zone, base flood elevation and panel date for the exact address, and ask for any elevation certificate.
  7. Ask for the seller's flood disclosure under s. 689.302 with the offer.
  8. Date the roof, the windows and the air conditioning from the permit record, and ask whether a four-point inspection and a wind mitigation form are needed.
  9. Collect homeowners or unit owner, wind and flood quotes from an independent agent, using the rebuild value, and for a condominium ask for the master policy declarations and deductible.
  10. Pull the permit history in the county's Citizen Access portal, searching the building address and the unit separately for a condominium.
  11. Read the building's pet, lease, parking and approval rules, and remember that the district's 2014 policy gives owners who rent out a home non-resident status for facility rates.
  12. Confirm gate access, amenity access cards and the current district policies in writing, and read the district's recent minutes for pending projects and assessments.

Heritage Oak Park compared with Kings Gate and Port Charlotte

Heritage Oak Park homes and villas sold at a $246,500 median on 24 recorded sales and its condominiums at $162,500 on 18, below Kings Gate's $295,000 on 59 single family sales and the six-ZIP Port Charlotte single family median of $301,400 on 2,636 sales. Heritage Oak Park has a community development district and no golf course.

Data updated: October 2026.

MeasureHeritage Oak Park homes and villasHeritage Oak Park condominiumsKings GatePort Charlotte, six ZIPs
Footprint465 HOP parcels, ZIP 33948212 WCH and WEH parcels1,034 KGG parcels, ZIP 33980ZIPs 33948, 33952, 33953, 33954, 33980 and 33981
Recorded sales2418592,636 single family; 219 condominium
Median$246,500$162,500$295,000$301,400 single family; $125,000 condominium
Community districtYes, fiscal year 2027 assessment $2,112.56 or $2,154.19Same districtNone found on its tax district chartVaries by community
Tax district, 2026115, 15.3705 mills115, 15.3705 mills104, 15.3705 millsSeveral districts; 104 is the county's largest
Gate and golfGated; no golf on siteGated; no golf on siteGated, 18-hole executive course on siteVaries by community

Source: Charlotte County Property Appraiser recorded sales and parcel files dated October 28, 2026, compiled by Domain Realty Group. Heritage Oak Park: October 1, 2025 through August 21, 2026. Kings Gate: October 1, 2025 through August 31, 2026, as printed on our Kings Gate homes for sale page. The six ZIPs: October 1, 2025 through September 9, 2026, as printed on our Port Charlotte homes for sale page.

The table compares recorded prices, not value. Heritage Oak Park's homes and villas have a smaller median living area than the six-ZIP median (1,364 square feet against 1,612) and were built in a narrow 1998 to 2005 window, with no new construction, no private pools and no lake flag on the home parcels. Kings Gate's homes were built mostly in the 2000s with newer homes mixed in, and it has a golf club inside its gate.

South Gulf Cove, by comparison, recorded 335 single family sales at a $475,000 median from October 1, 2025 through September 9, 2026 on our South Gulf Cove homes for sale page, higher partly because its homes are newer and many sit on the water. The six-ZIP number includes the whole market, from older platted lots to new homes in West Port, so it is a benchmark, not a peer group. The right comparison for a Heritage Oak Park condominium is the ZIP 33948 condominium median of $142,500 on 44 sales in the 12 months to September 9, 2026.

Your Heritage Oak Park agents at Domain Realty Group

Domain Realty Group is a team of about 40 agents founded in 2008 and led by Jesse McGreevy (SL3101296) and Marc Comisar (BK3060671), who bring over 45 years of combined direct experience between Jesse McGreevy and Marc Comisar. Domain Realty Group, the #1 team in Southwest Florida since 2012, has $2.5 billion in team production and 4,000+ transactions. RealTrends 2026: #5 in Florida. For this page we tracked the county sales file, the district's budget, the association documents and the permit rules so an offer on a Heritage Oak Park home is written on current facts.

Data updated: October 2026.

The agents below can help with Heritage Oak Park searches, from resale homes and villas to Waterside Club and Waters Edge condominiums. Each line comes from the agent's own bio page. Meet the full roster on our agents page or learn more about Domain Realty Group.

What clients say about working with our agents:

★★★★★ "Christina and Jason are rock stars! If you are looking for agents that know the market, are giving of their time, work hard but aren't pushy, are well connected, and care about YOU, then you found your agent!" Verified Google review. Joe Kurnos, on working with Christina Walsh Peterson and Jason Peterson of Domain Realty Group.

★★★★★ "Jesse McGreevy is a Guru, and his staff won't disappoint either. They found my perfect forever home, and it came with a cottage they are helping me rent. If I ever decide to move again, I'm using Domain Realty." Verified Google review. Ideas Boutique, on working with Jesse McGreevy of Domain Realty Group.

Read more on our client reviews page.

Ready to tour Heritage Oak Park homes?

Call Domain Realty Group, the #1 team in Southwest Florida since 2012, at 239-441-2816 or use our contact page. We have three offices: Bonita Springs at 24031 S Tamiami Trl #101, FL 34134; Naples at 9180 Galleria Ct #200, FL 34109; and Fort Myers at 8290 College Parkway, Unit 201, FL 33919. We do not have a Port Charlotte office. Brokered by Domain Realty, a licensed Florida real estate brokerage.

Tell us the neighborhood or building, the budget and the questions from the checklist above, and we will set up a saved search and help you pull the county records, the association and district documents and the flood and permit facts for the homes you like.

Thinking of selling a Heritage Oak Park home?

If you already own a home here or nearby, selling may be part of your plan. If you want to talk about selling, Jesse McGreevy and Marc Comisar's McGreevy and Comisar team can show you how to sell a home in Port Charlotte. If you own from out of state, keep your mailing address current with the Property Appraiser so tax notices reach you, and consider the Clerk's free Property Fraud Alert, which watches your name in county records.

Frequently Asked Questions about Heritage Oak Park homes for sale

These are the questions Heritage Oak Park buyers ask most, answered from the county records, the district's own documents and public rules on this page. Sales figures are for the 677 parcels with HOP, WCH or WEH short legals, recorded from October 1, 2025 through August 21, 2026 (county files dated October 28, 2026), unless an answer says otherwise.

Data updated: October 2026.

What is the median price of a Heritage Oak Park home?

The county recorded 24 home and villa sales in Heritage Oak Park at a $246,500 median from October 1, 2025 through August 21, 2026, ranging from $200,000 to $315,000. All three plats together recorded 42 sales at $217,500. These are recorded sale prices, not asking prices, so they differ from listing sites.

What do Heritage Oak Park condos cost?

The county recorded 18 condominium sales at a $162,500 median in the same window, from $67,400 to $225,000. Waterside Club recorded 13 at $160,000 and Waters Edge recorded 5 at $180,000. With so few sales, read the count and the range beside each median.

Are Heritage Oak Park prices coming down?

Home and villa medians were $317,000 in 2023, $278,950 in 2024, $241,000 in 2025 and $255,000 for 2026 through August 21, a decline from the 2023 peak that has partly levelled. We do not forecast prices, and live inventory and days on market come from the MLS search, not this page.

How many homes are in Heritage Oak Park?

The county roll shows 677 parcels: 455 coded single family, 208 condominium, 4 vacant residential and 10 other uses. The district bills 693 units, which the Waters Edge association describes as 12 neighborhoods. The two counts differ because they use different definitions, so we state the footprint with each number.

Are there single family homes in Heritage Oak Park?

Yes, the county codes 455 parcels in HOP as single family, with a median of 1,364 square feet. The district bills only 39 units in its single family class and 654 in its multifamily class, so many of those parcels may be attached villas. Check the plat and the Property Appraiser sketch for any address.

What is the Heritage Oak Park CDD fee?

The district's fiscal year 2027 assessment is $2,154.19 per unit in its single family class and $2,112.56 per unit in its multifamily class, adopted August 20, 2026 and collected on the county tax bill. Each is up $75 from fiscal year 2026. The tax bill shows which class a parcel pays.

Why do some websites say the CDD fee is $2,038?

That figure matches the district's fiscal year 2026 multifamily assessment of $2,037.57, so it is one year old. Other pages quote ranges that do not match the district's own adopted budget. Use the fiscal year 2027 figures on the district's site and confirm the class on the tax bill.

When does the CDD debt end?

The district's loan with Valley National Bank, which its budget calls the Series 2020 Bonds, has a final principal payment on May 1, 2035, with a balance of $1,343,921 scheduled after the November 1, 2026 payment. The debt part of the assessment is scheduled to end then unless the board issues new debt.

What are Heritage Oak Park HOA fees?

There is no single answer. Heritage Oak Park has a master association and separate condominium associations, and most of their dues are not public. Waters Edge published $925 a quarter as of January 1, 2025, including $18 a month to the master association. For any other home, order the estoppel certificate.

What does Waters Edge charge and what does it allow?

Waters Edge's question-and-answer sheet, dated January 1, 2025, lists $925 a quarter, due January, April, July and October, one dog or cat per unit, leases of at least three months for the whole unit only, and no recreation lease. It describes Waters Edge only, and the figures may have changed.

Who runs Heritage Oak Park, the HOA or the CDD?

Both, for different things. The community development district owns and runs the gate, roads, lakes, drainage, lodge, pool and courts and bills an assessment on the tax bill. The master association, Heritage Oak Park Community Association, Inc., and the condominium associations hold the covenants and building documents. Inframark manages the district and is the master association's registered agent.

Does Heritage Oak Park have an age rule?

We found no recorded document that sets an age rule for Heritage Oak Park; read the recorded declarations and each condominium's documents before you make an offer. The master association, the district and each condominium association publish different documents, so ask for the ones that apply to the specific home.

Is Heritage Oak Park gated?

Yes. The district owns the gates and a gatehouse on Quesada Avenue and Peachland Boulevard, owners use a remote or access card, and visitors use the keypad to ring a resident. We found no source on whether the gate is staffed, so ask the district office for the current gate procedure.

Is there a golf course in Heritage Oak Park?

No. The district's facility list shows no golf course, driving range or putting green. The Charlotte Harbor visitor bureau lists nearby courses, including Kings Gate Golf Club, Maple Leaf Golf and Country Club, Riverwood Golf Club and Deep Creek Golf Club. We did not compute distances to them.

What amenities does Heritage Oak Park have?

The district lists the Lodge with a sports bar room, library and game room, a fitness center, a pool open dawn to dusk, two lighted tennis courts, two shuffleboard courts, two bocce fields, horseshoes, cornhole, lake walking paths and catch-and-release fishing. Confirm anything else on site, since third-party lists are longer than the district's.

Can I rent out a Heritage Oak Park home or condo?

It depends on the neighborhood. Waters Edge requires leases of at least three months for the whole unit only, per its January 1, 2025 sheet. For every other neighborhood the lease rules are in the recorded declaration, so read them first. The district's 2014 policy also treats an owner who rents out a home as a non-resident for facility rates.

Are pets allowed in Heritage Oak Park?

Waters Edge allows one dog or cat per unit. The district bars pets inside its buildings, with exceptions for service and emotional support animals. Pet rules for the other neighborhoods are in each declaration, and we did not find them posted, so read the documents before you offer.

Can I rent the Lodge?

Yes, under the district's policy, last revised in June 2014: $75 an hour for residents and owners and $2,500 for non-residents with a four-hour minimum, plus deposits, with events ending by 10:00 p.m. A rental agreement form dated October 20, 2025 is posted. Those are 2014 rates, so ask the district office for today's schedule.

Can I drive a golf cart in Heritage Oak Park?

The district's policy sets a 19 mile per hour speed limit, allows motorized vehicles on hard surface roads, driveways and trails only, and allows golf cart parking in the entry circle spaces at the Lodge. The policy is dated June 2014, so confirm the current rules with the district office.

Is Heritage Oak Park in a flood zone?

We print no FEMA zone because we have not read one for any address, and zones can differ by lot and by building. Look up the exact address in FEMA's Flood Map Service Center, ask for an elevation certificate, and ask the seller for the flood disclosure required by s. 689.302.

Do I need flood insurance in Heritage Oak Park?

It depends on the address's flood zone, your lender and your insurer, and we never say it is not needed. Citizens will require flood coverage on most of its wind-covered residential policies from January 1, 2027, whatever the value. Ask an independent agent for quotes using the rebuild value.

What is the evacuation zone for Heritage Oak Park?

We state no zone because we did not run an address. Charlotte County uses zones A (Red) through E (Purple), and its Know Your Zone page returns the zone for a street address. Orders go by zone, and the county warns that shelters may not open, so plan to leave the area.

How did Heritage Oak Park do in Hurricane Ian?

We found no published damage or water height for Heritage Oak Park in Ian, and we have not checked its parcels against the county's Ian damage lists. The National Hurricane Center reported mostly dry Port Charlotte sensors with record river crests in the Peace, Myakka and Alafia Rivers.

How old are the homes and roofs in Heritage Oak Park?

Every home was built from 1998 to 2005, with a median of 2001, so original roofs are about 21 to 28 years old. Roof year is not on the county roll. The permit record shows roof dates by address, and insurers will ask for roof age, a four-point inspection and often a wind mitigation form.

Do Heritage Oak Park condos need a milestone inspection?

The milestone and reserve study rules apply to condominium buildings of three or more habitable stories. Waterside Club I describes three-floor buildings with elevators, so they apply there. Waters Edge is two stories, so they do not. For Waterside Club II to IV, ask each association for its status.

What is an estoppel certificate and how fast do I get one?

It is the association's statement of what you will owe. Sections 720.30851 and 718.116 require delivery within 10 business days of a written request, capped at $250 for a clean account, with $100 more if delivered within 3 business days and up to $150 more if delinquent. It is effective for 30 or 35 days.

What are property taxes in Heritage Oak Park?

District 115 is 15.3705 mills for 2026. At the $246,500 home median, that is about $3,788.83 a year without exemptions and about $3,177.11 with a standard homestead, before the district line. At the $162,500 condominium median, it is $2,497.71 or $1,885.98. These are estimates; assessed value differs from price.

Do I get a homestead exemption in Heritage Oak Park?

Homestead applies if the home is your permanent residence on January 1. The Property Appraiser lists a $25,000 exemption, a March 1 filing deadline, a 3 percent Save Our Homes cap and portability within three years. Seasonal owners may not qualify, so confirm with the Property Appraiser.

How many homes sell in Heritage Oak Park each year?

The county recorded 21 to 32 home and villa sales a year from 2016 to 2025, with 31 in 2025 and 16 in 2026 through August 21. Condominiums recorded 9 to 24 a year. That is thin enough that one sale can move a median.

Who provides water and sewer in Heritage Oak Park?

Charlotte County Utilities is the county water and wastewater utility for unincorporated Port Charlotte, but we did not confirm service for each lot. Use the county's utilities availability form for one lot or ask the seller for a recent bill. The district's budget has its own water and sewer line.

How far is Heritage Oak Park from the airport and hospitals?

By our estimate, Punta Gorda Airport is about 14 to 16 road miles and 20 to 25 minutes away, and the two hospitals with emergency rooms are about 4 to 7 miles and 8 to 16 minutes away. These are rough estimates, mostly from a straight-line method, so check a map.

What documents come with a Heritage Oak Park condo purchase?

For a resale, Florida's condominium act lists the declaration, articles, bylaws and rules, the annual financial statement and budget, the structural integrity reserve study or a statement that none exists, and the milestone summary if applicable, and it gives the buyer a right to cancel after receiving them. Check the current statute and ask for the estoppel.

Sources and data for Heritage Oak Park

Every source below was read, or named as a lookup route, between October 28 and October 29, 2026 unless another date is shown. Sales, prices and parcel counts come from the Charlotte County Property Appraiser's downloadable roll and sales files dated October 28, 2026.

County records and data

  1. Charlotte County Property Appraiser downloads: parcel roll and recorded sales files.
  2. Property Appraiser 2026 final millage rate chart: district 115 millage.
  3. Property Appraiser home: parcel search for any address.
  4. Property Appraiser exemptions: homestead and Save Our Homes.
  5. Charlotte County Tax Collector, property tax: billing dates and discounts.
  6. Charlotte County permits page: permit types.
  7. Charlotte County building codes: adopted code editions.
  8. Citizen Access portal: permit history by address.
  9. Citizen Access, look up by address: property lookup.
  10. Citizen Access, search for permits: building permit search.
  11. Charlotte County Clerk official records: recorded declarations and plats.

The community development district

  1. Heritage Oak Park CDD home: budget links, notices and calendar.
  2. About the CDD: scope, board and Inframark.
  3. Facilities and rentals: amenity list.
  4. Documents and policies: contracts and policy index.
  5. Financials: budgets, audits and monthly reports.
  6. Meetings: board schedule.
  7. Find us: office address.
  8. Gates and irrigation: gate access and irrigation billing.
  9. Activities calendar: events.
  10. FY 2027 final adopted budget: assessments, debt and reserves.
  11. Resolution 2025-06, FY 2026 levy: assessment levy.
  12. FY 2025 adopted budget: prior-year rates.
  13. FY 2024 adopted budget: prior-year rates.
  14. FY 2023 adopted budget: prior-year rates.
  15. Chairman's recap, October 15, 2026: paving, pump and dredging items.
  16. Establishing ordinance 98-0470A0: district creation, July 7, 1998.
  17. Boundary map: district boundary.
  18. CDD and association interlocal agreement: January 3, 2022 terms.
  19. FY 2025 audit, Florida Auditor General: debt schedule and net position.
  20. Facilities and community policies, June 2014: hours, rates and rules.
  21. Rental agreement, October 20, 2025: current form.
  22. Trespass rules: conduct on district property.
  23. Lake and wetlands service agreement: lake treatment scope.
  24. Draft public facilities report, September 2016: district-owned assets.
  25. Aerobics policy: instructor waivers.
  26. Inframark CDD services: district management.

Associations and state records

  1. Waters Edge association home: 52 units, five two-story buildings.
  2. About Waters Edge: 12 neighborhoods and 693 units.
  3. Waters Edge news and updates: insurance proof notice.
  4. Waters Edge question-and-answer sheet, January 1, 2025: assessment, pets and leases.
  5. Waterside Club I: three-floor buildings with elevators.
  6. Waterside Club IV: association documents and management.
  7. Waterside Club IV, things to know: leases and vetting.
  8. Master association resident portal: management and documents.
  9. Sunbiz, Heritage Oak Park Community Association: master association record.
  10. Sunbiz, Waterside Club entities: condominium association names.
  11. Sunbiz, Water's Edge association: filing and annual reports.
  12. Florida Statutes 720.30851: homeowners' association estoppel certificates.
  13. Florida Statutes 718.116: condominium assessments and estoppel.
  14. Florida Statutes 720.3085: assessments and liens.
  15. Florida Statutes 720.401: disclosure summary.
  16. Florida Statutes 190.048: district purchaser notice.
  17. Florida Statutes 190.011: district powers.
  18. Florida Statutes 190.021: budgets and assessments.
  19. Florida Statutes 197.3632: non-ad valorem collection.
  20. Florida Statutes 197.162: early-payment discounts.
  21. Florida Statutes 718.111: condominium insurance.
  22. Florida Statutes 718.112: reserves and reserve studies.
  23. Florida Statutes 718.503: resale disclosure.
  24. Florida Statutes 553.899: milestone inspections.
  25. Florida Statutes 689.302: flood disclosure.
  26. Florida Statutes 627.714: loss assessment coverage.
  27. DBPR milestone inspections and reserve studies: rules and reporting.
  28. DBPR condominium FAQ: reserve study deadlines.
  29. DBPR condominium timeline: 2025 law changes.

Flood, insurance and storms

  1. FEMA Flood Map Service Center: zone, elevation and panel by address.
  2. FEMA National Flood Hazard Layer viewer: map view of zones.
  3. FEMA Community Rating System: class and discount table.
  4. Charlotte County flood information: flood sources.
  5. Charlotte County Know Your Zone: evacuation zones A through E.
  6. Charlotte County storm recovery: evacuation orders by storm.
  7. Charlotte County 50 percent rule: substantial improvement.
  8. Charlotte County Forerunner flood portal: flood zone and elevation certificates.
  9. Charlotte County Hurricane Ian Long-Term Recovery Plan: damage appendices.
  10. National Hurricane Center, Charley: 2004 effects.
  11. National Hurricane Center, Ian: 2022 rain, river and surge.
  12. National Hurricane Center, Helene: 2024 surge.
  13. National Hurricane Center, Milton: 2024 surge and rain gauge.
  14. Citizens flood insurance requirement: phase-in to January 1, 2027.
  15. Citizens inspections: four-point and roof rules.
  16. Citizens 2026 rate release: statewide changes.
  17. Citizens approved rate changes by county: Charlotte County averages.
  18. Florida Office of Insurance Regulation, mitigation discounts: wind mitigation form.
  19. Florida Statutes 627.715: Citizens flood context.
  20. Florida home hardening grant program: inspections and grants.
  21. FEMA condominium building guide: association flood policy.
  22. FEMA condominium coverage summary: building and contents limits.
  23. FEMA case study, Florida building codes: code history from 2002.

Utilities, schools and places

  1. Charlotte County Utilities rates: rate page.
  2. Water rates, April 1, 2026: water rate table.
  3. Sewer rates, April 1, 2026: sewer rate table.
  4. Schedule A, January 13, 2026: connection fees.
  5. Utilities availability: service check for a lot.
  6. Residential curbside service: trash and recycling.
  7. FPL rate agreement: typical bill.
  8. Florida Public Service Commission, find utility service: electric provider by address.
  9. FCC National Broadband Map: internet by address.
  10. Charlotte County Public Schools: school boundary locator.
  11. MPO 2025 list of project priorities: US 41 turn lanes.
  12. FDOT project 441524-1: US 41 in downtown Punta Gorda.
  13. FDOT project 451014-1: State Road 776 resurfacing.
  14. AdventHealth Port Charlotte emergency care: hospital name and emergency department.
  15. HCA Florida Fawcett Hospital emergency care: hospital name and emergency room.
  16. Punta Gorda Airport destinations: nonstop service.
  17. Charlotte Harbor area golf directory: nearby courses and addresses.

See Heritage Oak Park Homes

Our agents show Heritage Oak Park homes, villas and condos. Tell us your budget and the neighborhood you like, and we will pull the CDD line, the association documents and the flood facts before you write an offer.
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