15564 RUSTON CIRCLE, PORT CHARLOTTE, FL, 33981
Active45 days on marketListed Jun 15, 2026MLS #A4697121
About this home
15564 RUSTON CIRCLE
Welcome to 15564 Ruston Circle in Port Charlotte, Florida! Boasting a new HVAC. This exquisite waterfront home is a boater's dream, offering Gulf access to open waters within minutes. Situated on the wide Zephyr waterway canal in the highly sought-after community of South Gulf Cove, this property boasts an enviable location for avid boaters. Recent upgrades include a brand-new tile roof, ensuring lasting quality and value. As you step inside this furnished abode, you'll be greeted by large pocket sliders that lead to a heated saltwater pool with stunning water views—a perfect setting for morning coffees and evening swims while enjoying breathtaking sunsets. The interior features ceramic tile throughout and luxury vinyl in all bedrooms. The master bedroom offers water views, a walk-in closet, and a separate slider to the lanai. The kitchen is equipped with stainless steel appliances, granite countertops, and direct access to all living spaces for easy entertaining. For boating enthusiasts, there's a covered boat lift (10,000 lb) for hassle-free access to the Gulf of Mexico's fishing opportunities. Additional features include hurricane protection for most windows and city water and sewer services. Beyond your doorstep, enjoy the pristine beaches of Boca Grande and Englewood, golfing, dining, shopping, and outdoor activities. Conveniently located near Punta Gorda, Fort Myers, and Sarasota airports, this home offers a chance to live in paradise on the widest canal in South Gulf Cove, with only one bridge out to the lagoon. Don't miss the opportunity to make this your dream waterfront retreat! Ask your agent for a link to the matterport rendering that is a interactive 3D dollhouse version of the house that the MLS does not want us to put in the public remarks although you can ask your agent for a link to it.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,839
Sqft
0.23 ac
Lot size
2
Garage
1993
Year built
One
Levels
$347
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 — not generic estimates.
$4,623 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,623/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+8.8%
$/sqft vs PORT CHARLOTTE SEC 081
$347 vs $294
Days on market
45 vs 56 typical
Where $347/sqft sits among the 34 homes for sale in PORT CHARLOTTE SEC 081
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 → $301K
Port Charlotte median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
18 of 34
PORT CHARLOTTE SEC 081 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1498% 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 15564 RUSTON CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$516,000
9310 ROSEBUD CIRCLE · same community
3 bd · 2 ba · 1,841 sqft · $280/sqft · 27 DOM
Sold · Feb ’26$560,000
15604 RUSTON CIRCLE · same community
3 bd · 2.5 ba · 1,866 sqft · $300/sqft · 0 DOM
Sold · Apr ’26$325,000
15659 RUSTON CIRCLE · same community
4 bd · 2 ba · 1,961 sqft · $166/sqft · 227 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 15564 RUSTON CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15564 RUSTON CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15564 RUSTON CIRCLE FAQs
What would the monthly payment be for 15564 RUSTON CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,623/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 15564 RUSTON CIRCLE?+
The most recent tax bill on record (2025) was $9,301. 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 15564 RUSTON 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 $639,000, this home is listed about 91% above the Port Charlotte median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 15564 RUSTON 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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ISLAND LIFE REAL ESTATE · Sean Seward, PA. MLS #A4697121.
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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