CENTURY 21 Edge
$449,900$599,9003 bd2 ba2,853 sqft$158 /sqft≈$3,998 /mo all-in ↓

17356 GULFSPRAY CIRCLE, PORT CHARLOTTE, FL, 33948

Active561 days on marketListed Apr 25, 2025MLS #C7509149

✦ Reduced $150KWaterfrontSingle Family ResidencePORT CHARLOTTE SEC 044

About this home

17356 GULFSPRAY CIRCLE

Virtually Staged. NEW PRICE — $449,900! Spacious waterfront home offering 2,853 square feet, dock, boating access and a new 2025 roof. An exceptional opportunity for the buyer looking for waterfront living with room to personalize and add value. BOATERS—THIS IS THE ONE TO RECONSIDER! One bridge to Charlotte Harbor, private dock, newer A/C—all at $449,900. Bring your boat and discover the space, flexibility and waterfront setting of this custom Port Charlotte home on the Gulfspray Waterway. Inside, the expansive floor plan offers room to spread out with separate living and dining areas, a spacious family room, custom-designed kitchen and a split-bedroom layout providing privacy for the primary suite and a separate two-bedroom guest wing. One of the home’s standout features is the approximately 8’ x 44’ enclosed waterfront porch, lined with windows overlooking the backyard and waterway—a wonderful bonus space for relaxing, entertaining, hobbies or simply enjoying the Florida waterfront lifestyle. The kitchen offers extensive cabinetry, generous counter space, an island and exceptional built-in pantry/storage. Tile flooring throughout much of the living area makes Florida living easy, while the inside laundry adds everyday convenience. Step outside to your waterfront backyard and private dock, where your boating adventures begin. With just one bridge between you and Charlotte Harbor, the waterways beyond lead to some of Southwest Florida’s best boating, fishing and Gulf destinations. Freshly painted, spacious and ready for its next owner, this home presents an exceptional opportunity to enjoy nearly 2,900 square feet of living space plus waterfront access and boating from your own backyard. Public water and sewer. Come take another look at the possibilities on Gulfspray Circle.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,853

Sqft

0.23 ac

Lot size

2

Garage

1988

Year built

One

Levels

$158

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Range · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorHurricane Shutters · Lighting · Private Mailbox · Sliding Doors

Community & fees

Taxes (2023)$6,606/yr
PetsYes
CommunityFishing · Public Boat Ramp · Water Access · Dog Park · Park · Playground

Utilities & systems

UtilitiesElectricity Connected · Mini Sewer · Public · Sewer Connected · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,998 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$3,089
FHA mortgage insurance (est.)$199
Property tax — 2023 actual bill$551
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,747Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,747
Interest rate7.50%
Loan term

Estimated payment

$3,998/mo

Principal & interest$3,089
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$551
Est. insurance$160

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.

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 $450K
$432KedgeAI estimate $505,726 · range $455K–$521K$542K

vs edgeAI estimate

−11%

$/sqft vs PORT CHARLOTTE SEC 044

$158 vs $247

Days on market

561 vs 55 typical

Where $158/sqft sits among the 10 homes for sale in PORT CHARLOTTE SEC 044

2 · this home
3
2
0
2
1
$134–176$176–218$218–260$260–302$302–344$344+

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 O'hara

Get to know Port Charlotte. See the full Port Charlotte guide →

O'hara — neighborhood snapshot

Population

5,352

Median age

60

Median income

$82,920

Median home value

$388,707

Avg household

2

Households w/ children

384

For the school run

Charlotte County School District

ElementaryMeadow Park Elementary School★★★★★
MiddleMurdock Middle School★★★★★
HighPort Charlotte 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)

4 of 10

PORT CHARLOTTE SEC 044 have cut their price

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

This home is listed 1116% above the PORT CHARLOTTE 33948 median. See the full Port Charlotte market guide →

Paper trail

This home's history

CurrentPrice reduced to $449,900 ▼ $150K
Apr 25, 2025Listed at $599,900 · 561 days on market since
1988Built · PORT CHARLOTTE SEC 044

Reality check

What actually sold near 17356 GULFSPRAY CIRCLE

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

17220 PHEASANT CIRCLESold · May ’26

$970,000

17220 PHEASANT CIRCLE · same community

3 bd · 3 ba · 2,510 sqft · $386/sqft · 16 DOM

17265 GULFSPRAY CIRCLESold · Jul ’26

$370,000

17265 GULFSPRAY CIRCLE · same community

4 bd · 3 ba · 2,500 sqft · $148/sqft · 111 DOM

4142 REIF CTSold · Jul ’26

$600,000

4142 REIF CT · same community

4 bd · 2.5 ba · 2,375 sqft · $253/sqft · 324 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 17356 GULFSPRAY 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 17356 GULFSPRAY CIRCLE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

17356 GULFSPRAY CIRCLE FAQs

What would the monthly payment be for 17356 GULFSPRAY CIRCLE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,998/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 17356 GULFSPRAY CIRCLE?+

The most recent tax bill on record (2023) was $6,606. 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 17356 GULFSPRAY 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 $449,900, this home is listed about 37% 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 17356 GULFSPRAY CIRCLE?+

Meadow Park Elementary School (elementary), Murdock Middle School (middle), Port Charlotte 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

$449,900 runs 1116% above the PORT CHARLOTTE 33948 median — but at 2,853 sqft it's also 73% 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

561 days on market against a Port Charlotte median of 55 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $599,900, now $449,900 — a $150K cut. The full history is in the market section below.

Listing courtesy of KW PEACE RIVER PARTNERS · Cynthia Logan. MLS #C7509149.

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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