10534 ALPACA CIRCLE, PORT CHARLOTTE, FL, 33981
Active262 days on marketListed Nov 18, 2025MLS #A4672138
About this home
10534 ALPACA CIRCLE
SAILBOAT LOT!! NO BRIDGES!! This canal home with seawall and boatlift already in place is what you have been waiting for!! Step into effortless Florida living at 10534 Alpaca Circle, a spacious and inviting 3-bedroom, 2-bath home offering over 2,000 square feet of comfortable, open-concept design. This residence is tiled throughout, creating a seamless flow from room to room while providing the durability and easy maintenance perfect for the Southwest Florida lifestyle. High, vaulted ceilings elevate the main living areas, which include a formal living room, formal dining area, an eat-in kitchen with a cozy breakfast nook, and a large family room ideal for gatherings or relaxing evenings at home. The split-bedroom layout offers privacy for the primary suite, while the additional bedrooms provide ample space for guests or a home office. Built in 1989 on a generous ¼-acre lot (most lots in Port Charlotte are .23), the property also features an inside laundry room and a 2-car garage for everyday convenience. Located in the desirable Port Charlotte Sec 82 area of South Gulf Cove, you’re just minutes from shopping, dining, parks, and the coastal amenities that define Gulf Coast living. With its clean design, abundant space, and tile flooring throughout, this home is move-in ready and a wonderful opportunity to enjoy the true Florida lifestyle. This property offers a peaceful neighborhood setting with easy access to nearby parks, boat ramps, walking trails, and Gulf beaches. Enjoy the convenience of being close to shopping, dining, and everyday amenities while still tucked away in a quiet residential area with large beautiful homes (the neighborhood requires 2500 sq foot footprints and at least two car garages for new builds) all around and being built regularly. Low pressure system in Charlotte County PDF attached to the MLS along with self-golf Cove welcome packet. Make your appointment today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,049
Sqft
0.25 ac
Lot size
2
Garage
1989
Year built
One
Levels
$271
Per sqft
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.
$4,249 /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
$4,249/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−9.7%
$/sqft vs PORT CHARLOTTE SEC 082
$271 vs $289
Days on market
262 vs 59 typical
Where $271/sqft sits among the 18 homes for sale in PORT CHARLOTTE SEC 082
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside South Gulf Cove
Get to know Port Charlotte. See the full Port Charlotte guide →
South Gulf Cove — neighborhood snapshot
Population
5,413
Median age
63
Median income
$92,806
Median home value
$480,409
Avg household
2
Households w/ children
284
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)
8 of 18
PORT CHARLOTTE SEC 082 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1305% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →
Paper trail
This home's history
Reality check
What actually sold near 10534 ALPACA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$739,000
10501 WASHINGTON ROAD · same community
3 bd · 2.5 ba · 2,044 sqft · $362/sqft · 2 DOM
Sold · May ’26$363,000
15619 STAUNTON CIRCLE · same community
4 bd · 2 ba · 2,013 sqft · $180/sqft · 14 DOM
Sold · Jul ’26$620,000
15312 HENNIPEN CIRCLE · same community
3 bd · 2 ba · 1,964 sqft · $316/sqft · 83 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10534 ALPACA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10534 ALPACA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10534 ALPACA CIRCLE FAQs
What would the monthly payment be for 10534 ALPACA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,249/mo — principal and interest, the actual property-tax bill, the $10/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 10534 ALPACA CIRCLE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10534 ALPACA CIRCLE?+
The most recent tax bill on record (2024) was $6,794. 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 10534 ALPACA CIRCLE?+
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 $555,000, this home is listed about 68% above the Port Charlotte median of $330,350. The market section on this page shows how the area is trending.
Which schools are assigned to 10534 ALPACA CIRCLE?+
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
Four things that matter here
01Positioned at the premium end
$555,000 runs 1305% above the PORT CHARLOTTE 33981 median — but at 2,049 sqft it's also 25% larger than the typical Port Charlotte listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
262 days on market against a Port Charlotte median of 59 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $589,900, now $555,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Sean Seward, PA. MLS #A4672138.
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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