4635 SPIRE STREET, PORT CHARLOTTE, FL, 33981
Active382 days on marketListed Jul 23, 2025MLS #A4659761
About this home
4635 SPIRE STREET
Welcome to Gulf Cove, the neighborhood you have been dream of to build your Florida Home! Boasting a large Corner Lot just under 1/2 acre and NOT in a flood zone! Welcome to Gulf Cove – A True Sportsman's Paradise! Gulf Cove is a highly desirable community offering freedom from deed restrictions (OPTIONAL HOA $75 YEAR TO HAVE BOAT RAMP ACCESS AND $75 YR FOR OPTIONAL MEMBERSHIP) and access to an incredible private waterfront park. Enjoy amenities such as a playground, fishing pier, and a private boat ramp providing quick, direct access to the Myakka River and Charlotte Harbor—perfect for boaters and anglers alike. This prime location is ideal for both full-time residents and seasonal visitors: Less than 17 miles to I-75, making for an easy commute to nearby cities. Just 10 miles to Chadwick Park at Englewood Beach, where you’ll experience stunning sunsets. Only 6 miles to South Englewood, filled with shopping and dining options. Minutes to Tampa Bay Rays spring training and the fairgrounds. Close to multiple golf courses and some of the best boating and fishing in all of Florida. Red Sox, Orioles, Twins, and Braves spring training facilities are all within an hour’s drive. Gulf Cove combines the laid-back Florida lifestyle with proximity to exciting attractions and outdoor adventures. Note: Buyer and buyer's representative are responsible for verifying environmental conditions and any endangered species restrictions.
Facts & features
The home at a glance
0.39 ac
Lot size
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 and the real association fee — not generic estimates.
$421 /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
$421/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.
Where it sits
Inside Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
Gulf Cove — neighborhood snapshot
Population
4,064
Median age
62
Median income
$57,533
Median home value
$349,277
Avg household
2
Households w/ children
274
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port Charlotte market
$289K → $305K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% below the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 4635 SPIRE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$135,000
5153 HOGAN STREET · same community
2 bd · 1 ba · 600 sqft · $225/sqft · 75 DOM
Sold · May ’26$278,000
4600 KEMPSON LANE · same community
3 bd · 2 ba · 1,143 sqft · $243/sqft · 726 DOM
Sold · Jan ’26$250,000
12143 DU BARRY AVENUE · same community
3 bd · 2 ba · 1,192 sqft · $210/sqft · 61 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4635 SPIRE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4635 SPIRE STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4635 SPIRE STREET FAQs
What would the monthly payment be for 4635 SPIRE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $421/mo — principal and interest, the actual property-tax bill, the $13/mo association fee 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.
How much are the HOA fees at 4635 SPIRE STREET?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4635 SPIRE STREET?+
The most recent tax bill on record (2025) was $542. 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 4635 SPIRE STREET?+
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 $32,000, this home is listed about 90% below the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 4635 SPIRE STREET?+
Myakka River Elementary School (elementary), L. A. Ainger Middle School (middle), Lemon Bay High School (high) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PORT CHARLOTTE 33981 market on paper
$32,000 is 19% below the PORT CHARLOTTE 33981 median of $39,500.
02Time on market is leverage
382 days on market against a Port Charlotte median of 60 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $35,000, now $32,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Donna Bennington. MLS #A4659761.
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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