CENTURY 21 Edge
$979,0003 bd3.5 ba2,014 sqft$486 /sqft≈$6,878 /mo all-in ↓

10860 MCALESTER CIRCLE, PORT CHARLOTTE, FL, 33981

Active17 days on marketListed Oct 21, 2026MLS #A4710429

✦ New constructionWaterfrontPrivate poolSingle Family ResidencePORT CHARLOTTE SEC 03E

About this home

10860 MCALESTER CIRCLE

Discover a fresh take on waterfront living in this newly constructed modern residence, set along a wide saltwater canal with boating access to the Gulf of Mexico. Designed for those who appreciate contemporary architecture, generous entertaining spaces, and the beauty of Southwest Florida’s waterfront lifestyle, this 3-bedroom plus office, 3.5-bath home pairs clean lines with thoughtfully selected finishes and exceptional indoor-outdoor flow. The open-concept interior feels bright and sophisticated, with soaring ceilings, 8-foot doors, recessed lighting, and oversized marble-look tile flooring throughout. The great room opens to the covered lanai through a fully opening three-panel sliding glass door, extending the living space outdoors and framing beautiful canal views. At the heart of the home, the kitchen combines contemporary style with everyday functionality. Quartz countertops, a waterfall-edge island, modern pendant lighting and a walk-in pantry create an inviting space for cooking and gathering. An oversized French-door refrigerator adds convenience and generous storage, while sleek black hardware provides a cohesive modern finish. The primary suite offers a private retreat with direct lanai access, dual walk-in closets, and a spa-inspired bathroom featuring quartz countertops, dual vanities, and a beautifully tiled walk-in shower with dual shower heads. Each guest bedroom has its own ensuite bathroom, offering added privacy and comfort, while the separate office provides flexibility for working from home or creating a dedicated study. Outside, the property’s waterfront setting takes center stage. The heated pool and spa overlook the wide canal, while the screened lanai features a view-conscious enclosure design that minimizes visual obstructions and preserves the expansive water views. An outdoor kitchen and exterior shower further enhance the outdoor living experience, creating an ideal setting for entertaining, unwinding after a day on the water, or enjoying Florida’s year-round sunshine. Additional features include hurricane-impact windows and sliding glass doors. A boat dock and lift may be negotiated as part of the purchase contract, subject to buyer preferences. Located in the South Gulf Cove area, the home offers convenient access to Boca Grande, Manasota Key, Wellen Park shopping and dining, and the Cove of Rotonda Golf Center. A distinctive opportunity to enjoy new construction, contemporary design, and Gulf-access waterfront living in one exceptional property. Seller may offer a buyer closing cost credit to assist with eligible settlement expenses, lender-related costs, and prepaid escrow items through seller-approved financing programs. Program availability, buyer qualifications, incentive terms, and applicable contribution limits may apply. Buyers should verify eligibility and terms with the seller and participating lender.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,014

Sqft

0.23 ac

Lot size

2026

Year built

One

Levels

$486

Per sqft

Private poolWaterfrontFireplaceWater viewNegotiablePets allowed

Inside

FlooringPorcelain Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewWater
FacesSouth
ExteriorOutdoor Grill · Outdoor Kitchen · Outdoor Shower · Private Mailbox · Private Yard · Rain Gutters · Sliding Doors · Smart Lock(s)

Community & fees

HOA fee$10/mo
Taxes (2025)$2,160/yr
PetsYes
CommunityCanal Front · Public Boat Ramp · Water Access

Utilities & systems

UtilitiesElectricity Connected · Public · Water Connected
WaterPublic

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.

$6,878 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$6,161
PMI (est., until 20% equity)$367
Property tax — 2025 actual bill$180
HOA fee — from the listing$10
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $97,900Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $97,900
Interest rate7.50%
Loan term

Estimated payment

$6,878/mo

Principal & interest$6,161
PMI (est., until 20% equity)$367
Property taxes (actual bill)$180
HOA / condo fee$10
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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.

List $979K
$527KedgeAI estimate $609,587 · range $549K–$671K$1.0M

vs edgeAI estimate

+60.6%

$/sqft vs Port Charlotte actives

$486 vs $201

Days on market

17 vs 55 typical

Where $486/sqft sits among the 400 Port Charlotte actives

173
135
41
28
8
15 · this home
$134–193$193–251$251–310$310–369$369–427$427+

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

5,682

Median age

63

Median income

$108,262

Median home value

$544,120

Avg household

2

Households w/ children

246

For the school run

Charlotte County School District

ElementaryMyakka River Elementary School★★★★★
MiddleL. A. Ainger Middle School★★★★★
HighLemon Bay High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Port Charlotte market

Seller’s marketBalanced — 5.5 months of inventoryBuyer’s market

$290K → $290K

Port Charlotte median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

157 of 400

Port Charlotte actives have cut their price

Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 2080% above the PORT CHARLOTTE 33981 median. See the full Port Charlotte market guide →

Paper trail

This home's history

Oct 21, 2026Listed at $979,000 · 17 days on market since
2026Built · PORT CHARLOTTE SEC 03E

Reality check

What actually sold near 10860 MCALESTER CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

450 ALBATROSS ROADSold · Jan ’26

$289,900

450 ALBATROSS ROAD · same community

3 bd · 2 ba · 1,606 sqft · $181/sqft · 418 DOM

13564 SEDGWICK AVENUESold · Nov ’25

$253,000

13564 SEDGWICK AVENUE · same community

3 bd · 2 ba · 1,360 sqft · $186/sqft · 54 DOM

10381 RAINSVILLE STREETSold · Mar ’26

$429,990

10381 RAINSVILLE STREET

4 bd · 2 ba · 2,013 sqft · $214/sqft · 212 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.

Anthony Richardson

Your agent

Anthony Richardson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 10860 MCALESTER CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10860 MCALESTER CIRCLE — before you fall in love.

See it in person

Schedule a tour

Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

10860 MCALESTER CIRCLE FAQs

What would the monthly payment be for 10860 MCALESTER CIRCLE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,878/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 10860 MCALESTER 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 10860 MCALESTER CIRCLE?+

The most recent tax bill on record (2025) was $2,160. 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 10860 MCALESTER 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 $979,000, this home is listed about 197% above the Port Charlotte median of $329,250. The market section on this page shows how the area is trending.

Which schools are assigned to 10860 MCALESTER 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.

Listing courtesy of THE AGENCY SARASOTA · Irene Kosse. MLS #A4710429.

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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