3198 DWYER STREET, PORT CHARLOTTE, FL, 33981
Active371 days on marketListed Aug 10, 2025MLS #A4661595
About this home
3198 DWYER STREET
Double Residential Lot. Gulf Cove is a great community with the freedom from deed restrictions, and a fantastic private waterfront park with a playground, fishing and a private boat ramp with quick direct access to the Myakka River and Charlotte Harbor. Gulf Cove is truly a Sportsman's Paradise. Less than 19 miles to I75 makes this location an easy commute to almost anywhere, and only 11 miles to Chadwick park at Englewood Beach with amazing sunsets, 6 miles to South Englewood with lots of shopping and dining options. Tampa Bay Rays spring training and the fairgrounds are just minutes away, also multiple golf courses and some of the best boating and fishing in all of Florida. Red Soxs, Orioles, Twins and Braves spring training all within an hour’s drive. Buyer and buyers rep responsible for determining environment conditions and endangered species restrictions. This lot is priced to sell so please call for availability! This lot is at a great price point for the investor call today. Centrally Located – Minutes away from beaches, parks, shopping, and dining?? Growing Area – Located near the new West Port neighborhoods, this area is poised for future growth?? Utilities Ready – Water, sewer, and electric connections available for easy development. Motivated Seller – Priced right for a quick sale. This is a fantastic opportunity to build your dream home in a convenient, thriving area with no deed restrictions or HOA fees. Don’t miss out on this Southwest Florida gem! Transferring construction plans and survey.
Facts & features
The home at a glance
0.46 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 — not generic estimates.
$434 /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
$434/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 18% 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 3198 DWYER STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$369,500
12430 MITCHELL TERRACE
2 bd · 2 ba · 1,120 sqft · $330/sqft · 26 DOM
Sold · Jun ’26$365,000
2532 DIXON TERRACE
2 bd · 2 ba · 1,128 sqft · $324/sqft · 4 DOM
Sold · Mar ’26$150,000
2549 KLASS TERRACE
2 bd · 2 ba · 1,227 sqft · $122/sqft · 5 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3198 DWYER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3198 DWYER STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3198 DWYER STREET FAQs
What would the monthly payment be for 3198 DWYER STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $434/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3198 DWYER STREET?+
The most recent tax bill on record (2024) was $863. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
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 $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3198 DWYER 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 18% below the PORT CHARLOTTE 33981 median of $39,000.
02Time on market is leverage
371 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $34,000, now $32,000 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Krzysztof Sychowski. MLS #A4661595.
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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