728 SW Lake Charles Circle, Port St. Lucie FL 34986, PORT ST. LUCIE, FL, 34986
Active36 days on marketListed Jul 7, 2026MLS #B26049611
About this home
728 SW Lake Charles Circle, Port St. Lucie FL 34986
NEW ROOF COMING AUGUST 2026! Welcome to this resort-style upgraded pool & spa home located in the highly desirable Lake Charles community. Designed for comfort and efficiency, this stunning home offers 2 master bedrooms plus Flex Den with a Built In and high-end upgrades throughout. The elegant kitchen features soft-close cabinetry, quartz countertops, 2025 black stainless steel appliances, touchless faucet, reverse osmosis water system, and convenient pull-out shelving in all lower cabinets for easy access and functionality. Enjoy peace of mind with major upgrades including impact windows, solar panels for energy savings, newer AC system, remodeled bathroom, plantation shutters, crown molding, wired security cameras, Hunter Douglas Luminette blinds, bay window with three motorized shades, six ceiling fans including one outdoor fan, and a Bose surround sound system with wired speakers throughout the home. One living area features an electric fireplace, creating a warm and inviting space to relax. The garage offers additional comfort with its own dedicated AC unit and spray foam insulated attic for improved efficiency. This home offers a desirable second primary suite/guest suite featuring its own private bathroom and a tall safe securely bolted inside the closet, providing the perfect setup for guests, extended family, or added privacy. Third room is a flex den featuring beautiful custom built-in unit ideal for a home office, hobby room, or additional storage. The laundry room includes a convenient utility sink for added functionality. Step outside to your private Florida retreat featuring a screened pool & spa with solar heating and outdoor kitchen, creating the perfect space to entertain, unwind, or enjoy Florida living year-round. Ideally located in the heart of Saint Lucie West, Lake Charles offers over 500 acres of preserves and lakes where residents enjoy beautiful Florida wildlife, along with resort-style amenities including a manned gated entrance, clubhouse, heated pool & spa, tennis/pickleball courts, basketball, shuffleboard, bocce, playground, picnic areas, walking/biking trails, and non-gas boating lakes. HOA includes lawn care, basic cable, and internet.
Facts & features
The home at a glance
2
Bedrooms
3
Bathrooms
2,314
Sqft
0.18 ac
Lot size
2
Garage
2001
Year built
1
Levels
$259
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.
$4,350 /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
$4,350/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
+4.2%
$/sqft vs Port St. Lucie actives
$259 vs $231
Days on market
36 vs 52 typical
Where $259/sqft sits among the 399 Port St. Lucie actives
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 Port St. Lucie
Get to know Port St. Lucie. See the full Port St. Lucie guide →
PORT ST. LUCIE 34986 — neighborhood snapshot
Population
29,713
Median age
54.1
Median income
$85,842
Median home value
$368,300
Avg household
2.39
Households w/ children
2,764
For the school run
St. Lucie County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Port St. Lucie market
$399K → $395K
Port St. Lucie median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
69 of 399
Port St. Lucie actives have cut their price
This home is listed 82% above the PORT ST. LUCIE 34986 median. See the full Port St. Lucie market guide →
Paper trail
This home's history
Reality check
What actually sold near 728 SW Lake Charles Circle
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$515,000
805 SW Marsh Harbor Bay, Port St. Lucie FL 34986
3 bd · 3 ba · 2,339 sqft · $220/sqft · 75 DOM
Sold · Jun ’26$450,000
1717 SW Erie Street, Port St. Lucie FL 34953
3 bd · 2 ba · 2,247 sqft · $200/sqft · 45 DOM
Sold · Jul ’26$430,000
8820 First Tee Road, Port St. Lucie FL 34986
3 bd · 2.5 ba · 2,212 sqft · $194/sqft · 311 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 728 SW Lake Charles Circle — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 728 SW Lake Charles Circle — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
728 SW Lake Charles Circle FAQs
What would the monthly payment be for 728 SW Lake Charles Circle, Port St. Lucie FL 34986?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,350/mo — principal and interest, the actual property-tax bill, the $314/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 728 SW Lake Charles Circle, Port St. Lucie FL 34986?+
The association fee works out to $314 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 728 SW Lake Charles Circle, Port St. Lucie FL 34986?+
The most recent tax bill on record (2025) was $4,964. 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 728 SW Lake Charles Circle, Port St. Lucie FL 34986?+
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 St. Lucie?+
At $599,900, this home is listed about 38% above the Port St. Lucie median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 728 SW Lake Charles Circle, Port St. Lucie FL 34986?+
Manatee Academy K-8 (elementary), St. Lucie West K-8 School (elementary), Bayshore Elementary School (elementary), Oak Hammock K-8 School (elementary), Windmill Point Elementary School (elementary), Treasure Coast High School (high) — St. Lucie County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
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 Miami Association of REALTORS®.
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