12420 MINOT AVENUE, PORT CHARLOTTE, FL, 33981
Active488 days on marketListed Apr 15, 2025MLS #C7508635
About this home
12420 MINOT AVENUE
Welcome to your piece of Florida paradise! Located in the highly sought-after community of Gulf Cove. This property is a boater's dream! Open water access in a matter of minutes and with TENANTS already in place, this property offers immediate rental income potential. The home is centrally located near dining, shopping, and entertainment while also granting short access by boat or car to nearby beaches. Plus, no deed restrictions! This beautifully updated 3-bedroom, 2-bath pool home offers 2,275 square feet of luxury living with an open, airy layout and top-tier finishes throughout. From the moment you step inside, you’ll notice the sleek, staggered modern tile flooring that flows seamlessly through the home. The chef’s kitchen is truly a focal point, featuring soft-close cabinetry, granite countertops with an under-mount sink, breakfast bar, matching tile backsplash, and top-of-the-line built-in Whirlpool and Frigidaire stainless steel appliances—all designed to inspire both everyday meals and elegant entertaining. The kitchen is open to the Family Room on one side and the Living/Dining room on the other. Natural light fills the home through eight sliding glass doors, including four pocket sliders that create a seamless transition to the outdoors. Each bedroom offers generous space and walk-in closets, while the primary suite stands out with marble tile floors, dual vanities, a custom euro-glass shower, and spacious his-and-hers walk-in closets. Recent upgrades completed in 2019 and 2020 include a new roof, A/C system, updated electrical panel, all new interior doors and flooring, custom kitchen and bathroom cabinetry, granite countertops throughout, fresh baseboard trim, updated lighting, ceiling fans, faucets, and hardware. No detail was overlooked in bringing this home to life. The private pool area features a wet pebble edge finish, a resurfaced crushed quartz deck, and a screened lanai with a convenient pool bath. Step outside to a generous patio area, perfect for outdoor dining or relaxing in the Florida sunshine. With 84 feet of concrete seawall, there’s ample space to install your own dock and boat lift. Enjoy direct access to Charlotte Harbor—you're just minutes away from open water adventures! This location is as convenient as it is beautiful, with five regional airports within an hour’s drive—ideal for travel or hosting guests. Whether you're enjoying a quiet sunrise, a lively sunset gathering, or anything in between, this waterfront home offers the very best of Florida living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,274
Sqft
0.24 ac
Lot size
2
Garage
1985
Year built
One
Levels
$286
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.
$4,744 /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
$4,744/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
−10.1%
$/sqft vs PORT CHARLOTTE SEC 060
$286 vs $300
Days on market
488 vs 59 typical
Where $286/sqft sits among the 21 homes for sale in PORT CHARLOTTE SEC 060
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 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)
14 of 21
PORT CHARLOTTE SEC 060 have cut their price
Median sold price, Port Charlotte, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1567% 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 12420 MINOT AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$398,900
12482 KNEELAND TERRACE · same community
4 bd · 3 ba · 2,265 sqft · $176/sqft · 0 DOM
Sold · Dec ’25$770,000
12432 NOVA AVENUE · same community
3 bd · 2 ba · 2,401 sqft · $321/sqft · 13 DOM
Sold · Dec ’25$470,000
12325 MITCHELL TERRACE · same community
4 bd · 2.5 ba · 2,144 sqft · $219/sqft · 391 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12420 MINOT AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12420 MINOT AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12420 MINOT AVENUE FAQs
What would the monthly payment be for 12420 MINOT AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,744/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 12420 MINOT AVENUE?+
The most recent tax bill on record (2024) was $9,991. 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 12420 MINOT AVENUE?+
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 $650,000, this home is listed about 97% above the Port Charlotte median of $329,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12420 MINOT AVENUE?+
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
$650,000 runs 1567% above the PORT CHARLOTTE 33981 median — but at 2,274 sqft it's also 39% 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
488 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 $700,000, now $650,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARINA PARK REALTY LLC · Sean Lehew. MLS #C7508635.
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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